I have a client that had a brain aneurysm 4 years ago. 100% recovery. No stroke, meds, follow-up at all. Neurologist has given her a clean bill of health and written a lengthy explanation that she is a better risk than 5% of the population because he knows for a fact that she does not have any aneurysms, while 5% of the rest of us do and don't know it. Anyway, Humana wants 5 years, World is saying standard after 3 depending upon documentation from the neurologist. Anyone know what Aetna would do with this? They are telling me 48 hours on a pre-screen and I'd like to write this today. I've never run into this situation before, but I'm leaning toward World.