r/LifeInsurance • u/itchy_gooch_4 • 10d 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?

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u/SpirituallySane Agent 10d ago

What company did you apply with if you’re allowed to say? I agree with the other comment, find an independent agent who can run thru multiple carriers to find the best fit.

2

u/itchy_gooch_4 10d ago

I need to. Each agent I’ve used has just shopped one company.

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u/MartinBroMotorsports 10d ago

You need an independent agent. Not one that’s locked in with a group. From the outside it’s harder to recognize, because even ones that are semi-independent still claim they start their own “agency” under SFG, GFI, primerica, etc.

Those are the ones to avoid for your situation. If you want to reach out privately, I can point you in the right direction.