FE for more than one occurrence of cancer

[SPUR CITY]

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

I'm in San Antonio, Texas and we would write Trinity for this particular situation and the price would be excellent and you would get an answer in the home after a 10 minute interview

 

[ExProgrammer]

I'm in San Antonio, Texas and we would write Trinity for this particular situation and the price would be excellent and you would get an answer in the home after a 10 minute interview

Is that mostly because Trinity University is in San Antonio?

 

[NSRH]

"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.

This is AmAm's stance on cancer:



After 2 years, they are considered immediate.

 

[Life Hawk]

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 use Fed Life in this case also trans I believe would go. Treatment is key along with type... I am sure underwriting may detect if they do an Rx check that goes back too far depending on treatment.

 

[Life Hawk]

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

Follow-up: You may also want to be aware if they have future doctor appointments related to cancer follow-up... this can create a bit of mess too.

 

[Life Hawk]

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)?

Wish he/she would have provided a bit more info on the type... was it internal he was referring to?

 

[bboman23]

This is AmAm's stance on cancer:

View attachment 4365

After 2 years, they are considered immediate.

He is asking about more than one occurrence of cancer. AmAm would be ROP on that.

 

[HoosierLife]

I would use Fed Life in this case also trans I believe would go. Treatment is key along with type... I am sure underwriting may detect if they do an Rx check that goes back too far depending on treatment.

I thought the cancer was 2 years ago. Doesn't Trans ask about cancer in the last 4 years?

To the OP, there are many companies that only ask "Have you been diagnosed, treated etc for cancer in the last X years?"

Most companies don't ask about reoccurrence.

Any of those will work as long as long as X = 2.

 

[rousemark]

I thought the cancer was 2 years ago. Doesn't Trans ask about cancer in the last 4 years?

To the OP, there are many companies that only ask "Have you been diagnosed, treated etc for cancer in the last X years?"

Most companies don't ask about reoccurrence.

Any of those will work as long as long as X = 2.

Providing the 2 = number of years without treatment... Often when people say I had cancer two years ago, they are talking about when it was diagnosed....

 

[HoosierLife]

Providing the 2 = number of years without treatment... Often when people say I had cancer two years ago, they are talking about when it was diagnosed....

This is true. Very few carriers will take any treatment, even oral chemo pills taken in the last 2 years.