I'm glad I decided to not use WR Life, especially after reading these comments. I had a chat with a rep that told me my policy was approved including pre-existing hypertension. When I mentioned a minor knee injury 5 years ago he said don't worry about it, your already approved. When I told him I wanted to be sure, underwriting told him (me) it would not be covered for 5 years. Plus the fact that he was giving me conflicting info from their webpage, seems to me it was all about his commission.
WR Life will increase your premium 3% annually, forever, on any claim over $10,000.