| Aetna | Decline if within the past year |
| Aflac | Decline if within the past year |
| Americo | Decline if recommended to have surgery within the last 12 months that has not been completed |
| Living Promise | Decline |
| Royal Neighbors | Decline if recommended to have surgery or further evaluation and the results/diagnosis remain unknown |
| Corebridge | Decline if recommended to have surgery which has not been completed or the results are unknown within the last 12 months |
| TransAmerica | Decline if recommended to have surgery which has not been completed in the last 6 months |
| Prudential | Decline if recommended, scheduled or advised to have a surgery that has not been completed in the past 12 months |
| GTL | Not specifically mentioned |
