Insurance Agent Forum

[joshril]

I have a client that has been in remission from breast cancer for 3 years. She had a mastecotomy and takes no medication and has had no treatment for 3 years.. She is 63. Is there any carrier that will even look at this in Texas?

[Delta76]

Have you called any of the carriers to ask? Even the carriers without published guidelines will often give you an indication if you just call to ask.

[Alsky]

Originally Posted by joshril

I have a client that has been in remission from breast cancer for 3 years. She had a mastecotomy and takes no medication and has had no treatment for 3 years.. She is 63. Is there any carrier that will even look at this in Texas?

In SC, Rule of thumb with most companies is 0-6 years = Decline... 7+ years subject to underwriting. This probably holds true in most states I would assume.

You may have to go with a graded benefit whole life but this can be very costly and face amounts are limited.

[joshril]

Originally Posted by Alsky

In SC, Rule of thumb with most companies is 0-6 years = Decline... 7+ years subject to underwriting. This probably holds true in most states I would assume.

You may have to go with a graded benefit whole life but this can be very costly and face amounts are limited.

I was actually asking about health... but since I didnt specify.. thanks! And actually, I have found about the same underwriting guidelines with most companies.

[Bob_The_Insurance_Guy]

You MIGHT try looking at some STM for two years, until she is Medicare eligible.