Can I get life insurance if I have a family history of cancer or heart disease?
Answered by 4 licensed agents
It depends on how long ago you had your cancer or your medical issues there are variable factors. But there are guaranteed whole Life policies up to 25,000 or you would be fully covered after two years and there are simplified issue whole Life policies that ask a few health questions if you're interested in learning more of his contact me
Yes, life insurance policies are individually underwritten, meaning we take down all of your information (so there are NO surprises), then we consult with the respective carriers to determine who will offer us the best options.
Yes, you can easily get life insurance with a family history of cancer or heart disease, as insurers generally only evaluate first-degree relatives diagnosed before age 60 or 65. While having an early family health history may move you to a slightly higher pricing tier, it rarely leads to a denial if your personal health is good.
Yes, you can still get life insurance if you have a family history of cancer or heart disease. Insurance companies look at your family medical background, but your own personal health, age, and lifestyle matter much more in their final decision.
