How are Hospital Indemnity carriers underwriting?

CRITERIACONDITIONS    
Confined to Nursing FacilityConfined to HospitalBedriddenUse of WheelchairReceiving Home Health
Don't Ask28%28%62%66%62%
Less than a Year31%41%28%34%14%
1-5 Years41%31%10%0%24%
6-10 Years0%0%0%0%0%
10+ Years0%0%0%0%0%

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