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Someday Soon | If you think you have cancer but have not been diagnosed, is it possible to get life insurance without an exam |
Call me stupid, but I would really like to have life insurance before I embark on the cancer journey - just in case things don't go my way. If I obtained one of the no exam, online policies which claim coverage is immediate and I didn't unfortunately die from cancer in the near future, would they pay upon my death? This is really bothering me so could someone please tell me their story...thanks!
Additional Details
Crap, I meant DID, not DIDN'T. I've not been up very long :) |
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Doing the Right Thing
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You can avoid the medical exam if you get a small coverage (something below $100,000). If you want more coverage, they will do a medical exam and you will pay the "rated" premium (meaning you are high risk of dying) when they see that you have cancer.
Usually, life policies has a 2 year incontestability clause, which means the life insurance has 2 full years to investigate whether you gave misstatements in the application. If they find misstatements, they will return all premiums you paid back to you.
So if you initially said you have no cancer on the application and they find out during the next 2 years that you do have cancer, they will return the premiums. If you die during those two years, they will only return the premiums to the beneficiary. They will not pay the death benefit. After the 2 year period, they cannot deny paying the death claim. |
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efrenchtoyasia1
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depends on the company |
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domers13
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The most important part of the insurance application that will apply to you is are the questions that ask: 1) have you been treated for cancer; and 2) the question that asks something like "have you been advised to have medical tests/surgery and did not. Where the insurance companies can trip you up is their defense that a "reasonable person would/should have known and sought treatment.
Like has been said before, in most cases for a period of two years, if a material misstatement is discovered, the policy will be voided and premiums returned. This applies even to "small" policies, where little, if any, medical exam is required.
If you are old enough for guaranteed issue (typically 50 or over), that may be your best bet (but usually need to live for two years or more to get full death benefit). If you can, do that AND apply for normal life insurance also. If you are wrong, and it's not cancer, you can always cancel either of the coverages later if you choose to.
Best of luck to you - hope you are wrong about your condition. |
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Crighton
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In general if you can get the policies issued and you were to die in the coverage period then yes they'd probably pay. The tough thing would be getting it issued and usually involves some underwritting where they check your medical background and etc. Or you could sign up for group life insurance if you work somewhere that offers it. |
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G&L
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Hmm, everyone thinks they have cancer when something is wrong with them. Perhaps you are right, but it would be unusual. Get whatever insurance you are going to get QUICKLY!!! then go get checked so you can get some sleep. Oh, and by the way, I have no idea how a nurse doing a basic history, a urine test, an ecg, and some lab work would be able to diagnose cancer(that is what the ins companies do.) If that were the case we would not need CT, MRI, PET scans, surgerical biopsies, fiberoptic scopes, etc.. God bless you and be with you through this journey if you do have cancer |
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Hadley
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The life insurance company would pay upon your death if you have answered all the questions on the application honestly.
The life insurance company usually has two years from the date the policy is issued to contest your policy. If they determine you have been misleading or lied on the application, the policy may not pay out.
Also, in most states there is a Suicide Clause of two years, which means the policy won;t pay out if you commit suicide within two years of buying the policy. The suicide clause is one year in some stats like Colorado.
There are insurance companies that offer life insurance with no medical exam required. You can apply online and get approved (if qualified) within 10-15 minutes. Coverage is available up to $250,000 with no physical exam.
Please note, you need to answer all questions on the application honestly so as not to mislead the insurance company about your health.
You can learn more about your options for life insurance with no medical exam at http://www.free-online-insurance-quote-advisor.com/Life-insurance-no-medical-exam.html
I hope that helps! Best of Health and luck to you in the future. |
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The Rabbi
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Not one correct answer so far.
You can get a non-medical, fast-issue plan for up to $250,000. Go get it now. The premium doesn't matter.
After you are checked out and find you are cancer-free, then apply for a standard plan with a paramed exam and the lowest possible rate.
When it is issued, cancel the expensive plan.
This way you will be covered. It is okay since a medical professional has not diagnosed you for that is the question on the application.
They will pay off on the non-med since you have not been diagnosed, they can't prove you knew. You couldn't possibly and you don't really know either. |
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Julius
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There are some companies that do not require health exam, but... if your "cancer" is not diagnosed so who cares - make some research, take the best life insurance and don't bother yourself with stupid minds ;)
As in a case your cancer will be diagnosed in a certain way insurance companies can access that data or pay no insurance afterwords just because you was supposed to know your stuff at that time. |
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larsgirl
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does your Doctor's records confirm or note your suspicions??
My husband got 2.5 million, they did a cheek swab, drew blood and requested a copy of his medical records.
that was it. APPROVED...
GOOD LUCK |
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You ask, I answer
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some insurance companies MAKE it a must to have an exam, depending on your age and health history. read the fine print. good luck! |
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freedismemberment
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take out the policy prior to the doctor visit. If after then the policy is considered "graded' and won't pay out for 2 years. They may even call it an existing condition and exclude the cancer from the policy. |
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CaseyAngelEyes
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Yes, if you haven't been diagnosed then you can get a policy. You may want to try a website that compares multiple companies at once to get you the best price.
Go to: http://www.insureme.com/landing.aspx?Refby=616164&Type=life
Take care,
Casey |
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bvpeterson
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Many companies will not require a medical exam for policies below a certain size -- they will instead go off of an interview and probably blood and urine tests. Its not cost effective to do a full medical on smaller (e.g. 100K face) policies. Every insurance company will ask you about your medical history -- and seek releases ofyour medical records. You cannot falsify these answers or there will be a defense to claim payment.
THe exclusion for preexisting illnesses usually comes up in health insurance, not life. Life policies typically exclude suicide for the first two years because this is legally permitted. You need to read the policy to know what the exclusions are. |
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rro
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The medical questions on the application will ask if you have been diagnosed. If you haven't and there are no records then keep quiet about it and apply. Go through the standard medical exams and see if you get approved. You most likely will as those exams can't check for something that specific. If you die within the first two years the policy can be contested. The only way they won't pay the claim is if they can prove you had knowledge of being sick before you applied. My advice is to go and apply asap. I am an agent in FL and can help you if you want. Good luck. |
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char__c's.a.good.cooker
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Take it out before you go to the doctor for sure! It would be good if you could wait a few months but maybe you can't do that. They won't cover any preexisting illnesses. All of the previous insurances I have had they come to your home, take you blood, urine, blood pressure, pulse history etc. The day before make sure to drink as close to a gallon of water as possible, it is hard but it will clear all the sediments and debris from your urinary track kidneys .. The urine will appear clear. This advice was given to me be an insurance agent who happened to be a friend. Sometimes that is the only reason the turn a Person down cause of the impurities! You should pick up some life insurance as well! You know it may not be cancer!!!! There are a lot of symptoms that act the same!. Anyway definitely get the insurance ASAP!
Ask for some brochures to take home. Read the small print and simply ask! But don't tell them why!!! Just ask out of curiosity it is a common & legit question!. |
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mbrcatz
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Maybe. You can't get any SIGNIFICANT amount of coverage without an exam. Significant means, more than a couple thousand dollars. When you DO by the two thousand, no exam coverage, it ends up costing you A TON. $20 a month per thousand, or some such. If you're healthy and under 40, you could get $250,000 of term insurance for the same price.
Plus, if you buy the policy and die within a certain time frame (varies state by state, but usually 2-3 years) they can contest the policy - void it - if they can prove the cancer predated the application.
So it's kind of pointless, IMO. |
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