| Aetna | Diagnosis or treatment within the past 2 years - Modified |
| Aflac | Diagnosis or treatment within the past 2 years - Modified |
| Americo | May be eligible for Select 1 or Select 2 |
| Living Promise | Decline if alcohol or drug treatment in the last two years. Decline if misuse of prescription drugs in the last 2 years. AA or NA is not considered "treatment." Treatment would include various rehabilitation facilities and centers. |
| Royal Neighbors | Decline if diagnosed or treated in the last 3 years |
| Corebridge | Decline if diagnosed or treated in the last 2 years |
| TransAmerica | Decline if treated or recommended to have treatment in the last 2 years |
| Prudential | Decline if received treatment or counseling, been advised to receive treatment or counseling or been advised by a doctor to discontinue use of alcohol or drugs in the last 12 months |
| GTL | Not specifically mentioned |
| Aetna | If convicted of or plead guilty within the past 2 years - Modified |
| Aflac | If convicted of or plead guilty within the past 2 years - Modified |
| Americo | May be eligible for Select 1 or Select 2 |
| Living Promise | Not specifically mentioned |
| Royal Neighbors | Not specifically mentioned |
| Corebridge | Decline if convicted of, pled guilty or no contest to DUI/DWI in the last 24 months |
| TransAmerica | Decline if convicted of, pled guilty or no contest to DUI/DWI in the last 2 years |
| Prudential | Decline for Preferred if convicted of, pled guilty or no contests to more than 1 DUI/DWI/OWI in the last 24 months |
| GTL | Not specifically mentioned |
| Aetna | Modified only |
| Aflac | Modified only |
| Americo | May be eligible for Select 1 or Select 2 |
| Living Promise | Decline if illegal drug use in the last two years. |
| Royal Neighbors | Declined if diagnosed or treated for drug abuse in the last 3 years |
| Corebridge | Decline if diagnosed or treated in the last 2 years |
| TransAmerica | Decline if treated or recommended to have treatment in the last 2 years |
| Prudential | Decline if received treatment or counseling, been advised to receive treatment or counseling or been advised by a doctor to discontinue use of alcohol or drugs in the last 12 months |
| GTL | Not specifically mentioned |
| Aetna | Not specifically mentioned |
| Aflac | Not specifically mentioned |
| Americo | PI will get smoker rates if currently smokes marijuana |
| Living Promise | Not specifically mentioned |
| Royal Neighbors | Not specifically mentioned |
| Corebridge | Not a concern |
| TransAmerica | Allowed |
| Prudential | Not specifically mentioned |
| GTL | Not specifically mentioned |
