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Anyone been denied life insurance based on your MGUS dx?

Blood Cancers & Disorders | Last Active: Jun 23, 2023 | Replies (17)
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@leslie2121

I thought of you, “pmm “ when I saw a commercial for Mutual of Omaha on tv for life insurance. There’s no exam or health questionnaire and available for 45-85 years of age.
No idea if it’s a good policy but there are life insurance policies out there that don’t screen anyone out.
Leslie

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Patty, Volunteer Mentor | @pmm | Jun 23, 2023

Both mutual of Omaha and Prudential have denied my application. That darned M protein is a problem.
They have those $10000 no-exam policies but for my needs that doesn’t make much sense.
Thank you for this though.
They say that there is no medical evaluation needed but one of the questions on the applications is “have you ever been denied life insurance?” If you say yes there are more questions.
At least that was what I found. Prudential has been taking my premium money for the last 30 years, so I initially just tried to convert my policy to a lower value but the underwriters gave a hard no.

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