Is it too late to buy life insurance?

[Anonymous]

Once you've had the biopsy and it came back positive for cancer, but before you know how advanced it is, whether it's metastasized, etc? I think I probably know the answer. If I were selling life insurance, I wouldn't sell it to someone with a cancer diagnosis.

Are there maybe products out there that don't ask? Not the million dollar policies of course, but smaller ones? Not interested in lying or otherwise committing fraud.

[Anonymous]

yes, it's too late. this happened to us. seven years in the clear and still not insurable.

[Anonymous]

One thing to keep in mind, if you happen to change jobs and your new job offers life insurance (at a set amount times your salary) you do not usually have to fill out anything that asks you if you have a pre-existing condition.

[Anonymous]

Yes, once anything like that is in your records, it's doomsday - unless, however, you can slide in under some group policy thru work. When I bought large life insurance policies on husband and self in our young 30s, the comopany sent out staff to take our blood pressure, etc., on site (also to make sure you weren't lying about non-smoking) to your home. And they pawed through our medical records. The same is true for disability insurance. I was denied simply because I had once been prescribed a drug called Aricept post a car accident to deal with a concussion. What the prescribing doctor - a psychopharmacologist who should have known better - is that once you have Aricept ANYWHERE in your records you will never ever get insurance because Aricept is the drug that Alzheimers' patients are on. Had I known . . . oh well. Can you get a group plan thru any membership? ARe you old enough for AARP? They have large group plans. ABA (American Bar) used to have group plans for sole practitioners. Most state Bars have group insurance plans - we're on one right now.

[Anonymous]

Check to see if AAA (car) offers anything. Rack your brain for any group that you are tangentially involved in, like AARP, that might have a group policy that requires only a simple application. Try your college. Both my college and law school offer insurance policies of all types. I believe I have a 700K life insurance thru an ABA group policy.

And very important - do you have a parent who was a vet? Look into the vet programs. I'm blanking on the name of the company that runs all the vet. insurance plans but there might be an option there.

[Anonymous]

++ try to get on a work related group policy that can't refuse anyone. And check groups you are involved in as PP said. When I was out of work I wanted to increase my insurance and found that one of the professional groups I belonged to, offered a 40k or 50k policy for like 50 bucks a year. I enrolled in it for a couple years til I could get a high level group policy. 40-50k is not much but I was underinsured so every little bit helps!

[Anonymous]

My husband was able to obtain life insurance 5+ years after successful treatment for cancer. His premiums did go up, but he got the insurance.

[Anonymous]

Anonymous wrote:My husband was able to obtain life insurance 5+ years after successful treatment for cancer. His premiums did go up, but he got the insurance.

My husband, too. We have a plan through his work and another independent of work.