FE for more than one occurrence of cancer

[TexasAgent]

Anyone know of a company that will write someone with more than one occurrence of cancer? The last cancer was two years ago.

 

[suranceman]

RNA

 

[rousemark]

Anyone know of a company that will write someone with more than one occurrence of cancer? The last cancer was two years ago.

I would say the majority of them .. Most just want to know if you have been treatment free for twenty four months and do not ask how many times cancer has been diagnosed.

 

[shonceman]

I would say the majority of them .. Most just want to know if you have been treatment free for twenty four months and do not ask how many times cancer has been diagnosed.

"More than one occurrence of cancer" is language from the AmAm app. I don't know any others who use that language. Like you say, most others are just a couple year look back, as long as they've been treatment free. Liberty Bankers, for example, would write preferred on such a case. But be careful to go with what the app says to define what "treatment free" means.

 

[goillini52]

I would say the majority of them .. Most just want to know if you have been treatment free for twenty four months and do not ask how many times cancer has been diagnosed.

Forester's a KO with more than one occurance. I'm thinking Oxford is too.

 

[rousemark]

"More than one occurrence of cancer" is language from the AmAm app. I don't know any others who use that language. Like you say, most others are just a couple year look back, as long as they've been treatment free. Liberty Bankers, for example, would write preferred on such a case. But be careful to go with what the app says to define what "treatment free" means.

Here, LBL would be a decline... The Liberty Bankers app in TN asks:
1. Congestive heart failure (CHF), cardiomyopathy, memory loss, Alzheimer's, senile dementia, dementia, heart defibrillator implant, two or more instances of internal cancer(s) or terminal illness (terminal illness means a disease or illness that is expected to result in death within 24 months)?

 

[goillini52]

Here, LBL would be a decline... The Liberty Bankers app in TN asks:
1. Congestive heart failure (CHF), cardiomyopathy, memory loss, Alzheimer's, senile dementia, dementia, heart defibrillator implant, two or more instances of internal cancer(s) or terminal illness (terminal illness means a disease or illness that is expected to result in death within 24 months)?

Same in Illinois. I thought LBL was in that group, but didn't want to post it until I checked the app. So far we've got Foresters, Oxford and LBL(in some states) that decline with more than one occurance of cancer.

 

[TexasAgent]

Thanks. RNA and Lafayette are the only ones I've found without that language unless they look back more than 2 years.

 

[goillini52]

Thanks. RNA and Lafayette are the only ones I've found without that language unless they look back more than 2 years.

Every other company that I'm aware of will take someone that's had more than one occurance of cancer. Most look back 2 years for Level, a few look back 3 or 4 years. Aetna and Bankers Fidelity will offer a true Graded plan if more than 1 year.

 

[shonceman]

Here, LBL would be a decline... The Liberty Bankers app in TN asks:
1. Congestive heart failure (CHF), cardiomyopathy, memory loss, Alzheimer's, senile dementia, dementia, heart defibrillator implant, two or more instances of internal cancer(s) or terminal illness (terminal illness means a disease or illness that is expected to result in death within 24 months)?

Ummm....

Texas too.

I'm a lot more familiar with the Home Service app, where cancer isn't mentioned in the knockout questions. So I focused on Part 2, and completely missed the cancer language in part 1.

Kind of embarrassed right now!