Cancer Life Insurance Alabama AL

Reader’s Question:

I am currently based in Alabama and I am applying for a life insurance policy. My family has no history of cancer but lately, I am diagnosed with a non-malignant ovarian cyst. I am afraid that might cause the insurance company to increase my premiums. Can I possibly conceal this information?

Laura

Montgomery, AL

Thank you for asking Laura.

No, you cannot and should not conceal this kind of information, or any information relevant to your application for a life insurance policy.
Insurance companies have become combative against fraud and misrepresentations. If you have a health history that is not normal or undergo routine checkups, insurance companies in Alabama will certainly retrieve all medical and doctor records before you are given a firm offer of coverage.

Remember always that even if you successfully conceal such information and would be granted insurance coverage, policies that were obtained through fraud and misrepresentation can be voided at claim time.

Besides, it is a crime in all 50 states to lie about or conceal information on a life insurance application.