I am a very healthy 5'9" 132# non-smoking non-drinking female with no health problems except some arthritis in my left knee from an old sports injury. I work 10-hr shifts as a Nurse; sometimes get cortisone injections in that left knee so I can stay active with hiking, cycling, etc. I applied for a traditional policy with genworth and was denied because of the cortisone injections in my knee. I appealed and was denied again. My agent is saying that probably means a blanket declination from all carriers for a traditional policy, wants to sell me a whole life policy with an LTC rider (about half
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