{ "files": [ { "id": "1", "slug": "cancer", "file": "disease-cancer.html", "name": "Cancer", "score": 7 }, { "id": "2", "slug": "diabetes", "file": "disease-diabetes.html", "name": "Diabetes", "score": 8 }, { "id": "3", "slug": "digestive", "file": "disease-digestive.html", "name": "Digestive", "score": 7 }, { "id": "4", "slug": "disabled", "file": "disease-disabled.html", "name": "Disabled (under age 65)", "score": 6 }, { "id": "5", "slug": "immune-neurological", "file": "disease-immune-neurological.html", "name": "Immune & Neurological", "score": 7 }, { "id": "7", "slug": "joint-muscle", "file": "disease-joint-muscle.html", "name": "Joint & Muscle", "score": 7 }, { "id": "8", "slug": "kidney", "file": "disease-kidney.html", "name": "Kidney", "score": 8 }, { "id": "9", "slug": "heart-circulatory", "file": "disease-heart-circulatory.html", "name": "Heart / Circulatory", "score": 8 }, { "id": "11", "slug": "liver", "file": "disease-liver.html", "name": "Liver", "score": 7 }, { "id": "12", "slug": "lung", "file": "disease-lung.html", "name": "Lung", "score": 7 }, { "id": "13", "slug": "mental-nervous", "file": "disease-mental-nervous.html", "name": "Mental / Nervous Disorders", "score": 6 }, { "id": "14", "slug": "other", "file": "disease-other.html", "name": "Other", "score": 5 } ], "currency": { "1": { "still_relevant": true, "score": 7, "verdict": "Core cancer underwriting still valid for life products, but 2022 rules under-capture modern oncology (immunotherapy, targeted therapy, early liquid biopsy, stage 0/ in-situ nuance).", "gaps_2026": [ "No explicit branches for immunotherapy / checkpoint inhibitors / CAR-T recovery windows", "Basal cell exclusion mentioned in question text ('basil' typo) but squamous / melanoma staging not granular enough for 2026 preferred classes", "Survivorship after 5\u201310 years often priced better today than binary Decline vs empty PASS", "No separation of prostate low-risk / active surveillance vs aggressive cancers" ], "life": "Time-since-treatment remains primary; carriers now often use graded/GI for recent cancer and preferred for long remissions.", "health": "Medical underwriting for health insurance focuses on ongoing treatment cost, not mortality wait periods \u2014 this tree is life-oriented.", "mortgage": "Mortgage protection term often needs faster issue; cancer history usually pushes to simplified issue / graded or decline \u2014 tree supports that filter but lacks product-class routing." }, "2": { "still_relevant": true, "score": 8, "verdict": "Diabetes tree (onset, insulin, comorbidities) remains highly usable in 2026 for life; A1C / continuous glucose / GLP-1 era not modeled.", "gaps_2026": [ "No A1C, time-in-range, or complication staging (neuropathy, retinopathy, nephropathy)", "GLP-1 / SGLT2 controlled T2 often better risk than 2022 insulin-centric logic implies", "Type 1 vs Type 2 adult-onset not clearly separated in all branches", "BMI table4 used when diabetes category selected \u2014 still reasonable but crude vs metabolic syndrome scoring" ], "life": "Still a primary knock-out / rate-up driver; empty PASS vs Decline mapping must be carrier-reviewed annually.", "health": "Diabetes is a major health-insurance rating factor; this tree lacks Rx cost / control metrics needed for health products.", "mortgage": "Well-controlled T2 often OK for SI mortgage term; insulin + complications still decline \u2014 tree partially covers." }, "3": { "still_relevant": true, "score": 7, "verdict": "Digestive conditions (Crohn's, UC, diverticulitis, ulcers, bariatric) still map to real UW; spelling/typos and missing modern bariatric outcomes.", "gaps_2026": [ "Typo: Diverticulities \u2192 Diverticulitis", "Gastric bypass / weight reduction surgery needs years-since-surgery and stable BMI follow-up", "No biologic therapy (e.g., anti-TNF) for IBD which changes 2026 life offers", "GERD / Barrett's / H. pylori not fully represented if only under Ulcer" ], "life": "Stable IBD off steroids often acceptable; recent surgery or active flare still decline \u2014 tree depth is OK for SI.", "health": "IBD biologics drive health premiums \u2014 not captured.", "mortgage": "Adequate for mortgage SI if flares/surgery dated; confirm carrier guides." }, "4": { "still_relevant": true, "score": 6, "verdict": "Disability under 65 is still a red flag for life, but reason/source questions are thin for 2026 social-security / LTD complexity.", "gaps_2026": [ "No ADL / cognitive impairment detail", "Mental vs physical disability not branched from root", "Short-term disability / workers comp vs permanent SSDI not distinguished well" ], "life": "Usually decline or postpone for active disability income \u2014 tree correctly harsh.", "health": "Disability status alone is weak for health UW; need diagnoses.", "mortgage": "Active disability often disqualifies mortgage protection \u2014 tree useful as hard filter." }, "5": { "still_relevant": true, "score": 7, "verdict": "Immune & neurological (MS, epilepsy, CP, etc.) still relevant; MS DMT era and seizure-free intervals need refresh.", "gaps_2026": [ "MS disease-modifying therapies and disability scores (EDSS) missing", "Seizure-free duration / last event date critical and may be under-specified", "Long COVID / autoimmune post-infection conditions not present (post-2022)" ], "life": "Still core; many carriers now offer with ratings for controlled epilepsy.", "health": "Specialty Rx (MS) dominates health cost \u2014 not modeled.", "mortgage": "Controlled epilepsy often OK; progressive MS usually not \u2014 tree helps." }, "7": { "still_relevant": true, "score": 7, "verdict": "Joint & muscle still valid for life SI; missing opioid / chronic pain / recent joint replacement nuance.", "gaps_2026": [ "Joint replacement date / revision", "Chronic opioid use (major 2026 life UW factor) not explicit", "Inflammatory arthritis vs osteoarthritis split" ], "life": "Most orthopedic history is acceptable if not disabled \u2014 tree should not over-decline.", "health": "Ortho procedures matter for health; tree is mortality-focused.", "mortgage": "Usually fine for mortgage SI unless disability." }, "8": { "still_relevant": true, "score": 8, "verdict": "Kidney disease remains high-risk for life; dialysis/transplant branches still essential in 2026.", "gaps_2026": [ "eGFR / CKD stage not numeric", "Transplant vintage and immunosuppression not detailed", "Polycystic kidney / APOL1 considerations emerging in UW research" ], "life": "CKD/dialysis mostly decline or special products \u2014 tree correctly decline-heavy (data shows more Decline than PASS).", "health": "Critical for health premiums; need labs.", "mortgage": "Usually decline for mortgage term if advanced CKD." }, "9": { "still_relevant": true, "score": 8, "verdict": "Heart/circulatory is the largest tree and still the most important for 2026 life UW; CABG/stent/CHF/HTN remain valid.", "gaps_2026": [ "No cardiac calcium score / coronary CT angiography pathways popular since mid-2020s", "AF ablation success windows, DOAC use not modernized", "Heart failure staging (NYHA) / EF % missing", "Post-COVID myocarditis not present" ], "life": "Deepest coverage in DB; still workable if carrier product_answers kept current.", "health": "Cardiac history drives health cost heavily \u2014 tree is life-mortality oriented.", "mortgage": "Mild HTN OK; CHF/recent MI typically not for SI mortgage." }, "11": { "still_relevant": true, "score": 7, "verdict": "Liver (hepatitis, cirrhosis, fatty liver) still relevant; NAFLD/NASH prevalence exploded \u2014 ensure fatty liver branches are used.", "gaps_2026": [ "NASH fibrosis scores (FibroScan, FIB-4) not in tree", "Hep C cured (SVR) should often be preferred vs untreated \u2014 confirm options allow cured state", "Alcohol use disorder interplay with liver" ], "life": "Cirrhosis decline; cured Hep C often OK in 2026 \u2014 verify product_answers reflect cure.", "health": "Liver disease costly \u2014 needs labs.", "mortgage": "Fatty liver alone often OK; cirrhosis not." }, "12": { "still_relevant": true, "score": 7, "verdict": "Lung tree (asthma, COPD, sleep apnea) still useful; vaping/e-cig and post-COVID fibrosis underrepresented.", "gaps_2026": [ "Vaping / e-cigarette / cannabis inhalation not separate from tobacco module", "Home CPAP compliance for sleep apnea (AHI) not captured", "Long COVID lung sequelae missing" ], "life": "Asthma well-controlled usually OK; O2/COPD severe decline \u2014 tree OK.", "health": "Respiratory Rx and O2 matter for health.", "mortgage": "Mild asthma OK for mortgage SI." }, "13": { "still_relevant": true, "score": 6, "verdict": "Mental/nervous still required, but 2026 UW is more nuanced on depression/anxiety vs bipolar/psychosis; suicide attempt windows matter.", "gaps_2026": [ "Telehealth Rx / SSRI-only mild depression often preferred now", "Suicide attempt / hospitalization dates critical", "ADHD adult stimulant use increasingly common \u2014 may be missing or under Other" ], "life": "Binary decline risk if tree too coarse \u2014 review product_answers for over-decline.", "health": "Behavioral health is a top health cost \u2014 not modeled here.", "mortgage": "Stable treated anxiety often OK; recent psych hospitalization not." }, "14": { "still_relevant": true, "score": 5, "verdict": "Catch-all 'Other' is necessary but dangerous: human experience rules hide here and drift fastest.", "gaps_2026": [ "COVID-19 / long COVID, obesity drugs (semaglutide), gender-affirming care, cannabis \u2014 not first-class categories", "HIV modern U=U / PrEP life offers not visible as top category", "Sleep disorders may duplicate Lung", "Test options 'Acid'/'new' show tree hygiene issues" ], "life": "Works only if regularly curated; otherwise false PASS/Decline.", "health": "Insufficient for health product UW.", "mortgage": "Use sparingly; prefer mapped diseases." } } }