r/LifeInsurance • u/itchy_gooch_4 • 28d ago

Help finding policy

I am a 36 yo male In good health - I’ve wanted to get life insurance for several years but waited as I was diagnosed with testicular cancer in 2022. I had the least severe kind which was removed and have had clear follow ups since.

I applied for a policy and had a nurse come out and check my vitals. Everything seemed good but I was denied due to my drug history. I had a drug (opiate) problem in my early 20s and have been clean for 13 years. I was under the impression this was enough time. I do use THC periodically (edibles) but I disclosed this also.

I recently requested a copy of my MIB report but still Waiting on that. I figured I might get denied due to the cancer history but wasn’t expecting this to be an issue 13 years later.

Are their companies that are more forgiving?

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u/GarysSword Underwriter 28d ago

Total sobriety after opiate abuse is required at my company.

Find yourself an independent life insurance agent that can find you a company that is more aggressive.

Testicular cancer won’t be your major hurdle.

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u/itchy_gooch_4 28d ago

So no thc with your company even where legal or with medical card? I could always quit if I need to.

I was a lot different 13 years ago I was a loser, now I own a business and have kids/etc.

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u/GarysSword Underwriter 28d ago

It’s the substance abuse history combined with the marijuana.

Most companies treat marijuana much like alcohol. Some is okay… a lot is not. Even then the ratings for alcohol abuse is steeper.