@Madison544, Thanks for posting in Q&A.
From your description, I know you want to create a policy to enforce lasted iOS on personal devices for company data access without full MDM control.
Based on my research, we can create an app protection policy for both Outlook and Teams, and in the configuration of Condition launch session, we can configure the Max OS version or Min OS version to restrict the required OS version access the apps.
Hope it will help.
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