STM plans typically have a 5 yr lookback for pre-ex and will almost always do post issue underwriting when a claim is presented. Assurant had a horrible reputation for denying claims and "new" (renewal) coverage which resulted in lawsuits and horrible press.
Assurant targeted colleges (and their parents) and their success also contributed to their problems.
Assurant targeted colleges (and their parents) and their success also contributed to their problems.