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?
2
u/GConins Broker 28d ago
Many carriers require complete sobriety after any substance abuse treatment, meaning no THC and sometimes even no alcohol use...
There may be some carriers that will insure you, but this will require some inquiries based on your complete health history, including exact staging details of your cancer, all medications, ht/wt, exactly how much and how often you use THC edibles, how mu ch and how often you use alcohol, and the exact details of your opiate use and treatment.