hello, i have found some very useful information on this forum and was wondering if any of you seasoned agents could confirm some information i have been given (just looking for a second opinion.) my wife and i recently signed up for an individual policy with carolina care plan (we are in sc.) on the application we disclosed that she suffers from occasional migraines. the agent assured us that they dont exclude any pre existing conditions but when i got our policy it mentions a 12 month exclusion on pre existing conditions. she seems to think that this is directed towards items that were not disclosed in the application? I am confused as i previously had a policy that excluded the migraines permanently but did not exclude my high cholesterol (controlled without meds now) and they never pulled the pre existing card when i had claims for my meds. so, my experience leads me to agree with the agent but i just wanted to get some varying opinions. thanks.