Q. I have a family history of cancer condition, which insurance company should I use to apply for my Term policy?
A. Most insurance companies will not give you favorable underwriting class if you have family history of cancer, even your own medical exam has perfect results.
However, based on our experience, there are at least two top insurance carriers do NOT consider family history of cancer in their underwriting decisions. So you could still get the best underwriting class from them if your own conditions meet their underwriting guidelines.
Please contact us if you are in this situation and are interested in getting more details.
A. Most insurance companies will not give you favorable underwriting class if you have family history of cancer, even your own medical exam has perfect results.
However, based on our experience, there are at least two top insurance carriers do NOT consider family history of cancer in their underwriting decisions. So you could still get the best underwriting class from them if your own conditions meet their underwriting guidelines.
Please contact us if you are in this situation and are interested in getting more details.
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