A question about being approved/denied

What criteria did you use to get the approval? Were the ones that have actual problems along with being obese the only ones approved? Are more people that already have heart damage or other damages the only ones to be approved? I was just thinking back to what the woman at the wls place told me and wondering if Cigna denied only those that didn't already have damages. That even though you had arthritis, high blood pressure, etc. along with being overweight you were denied but the ones that already had heart damage, stroke, etc. were approved? I was wondering if there is any reasoning to the insurance companies. Usually not but just in case!