Life insurance before biopsy

If you answer all questions truthful and there are no exclusion of any type then you should be fine (I actually had a health insurance policy that started jan 1 this year that would have paid me 2000 for a major illness. However it had a 30 day exclusion so any illness in the first 30 days were covered and since my diagnosis was jan 4 nothing for my cancer diagnosis but it wasn’t something I signed up because of a fear of cancer it was just a little ironic because that money would have come in handy) so just make you have read the whole policy but you are right after a diagnosis would have to be in remission for a number of years before you would be able to find a polic

Just so you know, Birads 5 doesn't mean metastatic. Heck, some people still get benign results. Mine was a 5, and I did have cancer and a micromet in my sentinel node, but that's NOT considered metastatic. The terminology can be confusing in the beginning since you'll hear "metastatic" to refer to both a tiny speck in one node, or spread beyond the breast area. Only distant spread is considered stage 4. I didn't even have to have chemo, and it was stage 1, even with a grubby node.

Hate to put a damper on things, but your life insurance application will quite possibly be denied. You had knowledge that there was a strong likelihood of an impending cancer diagnosis. That, in itself, is more than enough to deny you a new policy.

I'm so very sorry you find yourself joining our ranks. Best wishes for getting effective, tolerable treatments.

Trish