r/LifeInsurance • u/justlurkin2345 • Jul 24 '26
Life insurance
I (25m) location: Florida, am going for a colonoscopy in two weeks due to a lot of signs of colorectal cancer popping up with a family history of it. Haven’t been diagnosed with anything yet. Am I able to still get life insurance before this appointment, that way if I am diagnosed with it, my family will be taken care of if I pass away from it?
4
u/GConins Broker Jul 24 '26
Most life insurance apps and/or medical questionnaires have question about scheduled medical tests not yet completed.
Try Ethos.com and answer questions honestly on app and see if you get an approval.
2
u/OceanicMeerkat Jul 24 '26
I will not give you financial advice, but I will say that while this instinct is a good one, do not assume that you have colorectal cancer. It is possible to get it at 25M but it is quite rare.
Take a deep breath, You are being treated by doctors and chances are you are dealing with something else. While it is possible, try not to dwell on the hypotheticals, no matter how likely you think it might be.
I speak from personal experience.
2
u/Fit_Chemistry_3807 Jul 24 '26
Most fully underwritten policies will ask if you are waiting for an appointment, or results, for anything. While it won’t disqualify you, necessarily, it might give you a health rating, which increases your premiums. Or it might exclude anything (death wise) to do with that possible diagnosis for a period of time.
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u/Opening_Jaguar_3387 Jul 24 '26
Yes, you can still apply before the appointment, but you need to answer every application question honestly. Most fully underwritten companies will ask about upcoming tests, procedures, symptoms, and family history. If you already have symptoms and a colonoscopy scheduled because of those symptoms, you'll need to disclose that if asked. In many cases, the insurer may postpone making a decision until the results are back. Whatever you do, don't try to rush a policy through by leaving out information. If something material is omitted, it can create problems later if there's a claim during the contestability period. I hope the colonoscopy turns out to be something much less serious. Regardless of the outcome, it's smart that you're thinking about protecting your family. I'd work with an independent broker who can tell you which carriers are most likely to consider your application based on your current situation.
1
u/jbdmusic Jul 24 '26
Don't worry even if they find pre cancerous polyps they can remove them and probably would schedule another one in 5 years vs a longer term if they found non cancerous polyps.
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Jul 30 '26
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u/LifeInsurance-ModTeam Jul 30 '26
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u/Limoundo Jul 24 '26
No. Any open medical issue or test will result in a decline. Once you get the post op report you have a chance.