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Anyone been denied life insurance based on your MGUS dx?

Posted by Patty, Volunteer Mentor @pmm, May 10, 2023

My life insurance is about to time out. I’d like to get a policy to help tidy up things if I die the next 10 to 15 years. Anyone have experience in securing life insurance with a MGUS dx?

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Mentor
Ginger, Volunteer Mentor | @gingerw | Jun 6, 2023
In reply to @pmm "Reporting back…my application was denied on the basis of the M protein in my blood. Underwriter..." + (show)
@pmm

Reporting back…my application was denied on the basis of the M protein in my blood. Underwriter had no questions. Just a “hard no.”
I suppose it is what it is.

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@pmm Now what? Do you have any options to explore?
Ginger

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Patty, Volunteer Mentor | @pmm | Jun 7, 2023
In reply to @gingerw "@pmm Now what? Do you have any options to explore? Ginger" + (show)
@gingerw

@pmm Now what? Do you have any options to explore?
Ginger

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Well… My spouse, who is the best human I know, has encouraged me to just let it go. He would have sufficient resources to live quite comfortably without me, but I had hoped to provide him and the adult children with a little Mad Money when I’m not around. These insurance companies evidently consider me a poor investment at this juncture so I guess it’s my responsibility to prove them wrong. 😉

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2121 | @leslie2121 | Jun 8, 2023
In reply to @pmm "Well… My spouse, who is the best human I know, has encouraged me to just let..." + (show)
@pmm

Well… My spouse, who is the best human I know, has encouraged me to just let it go. He would have sufficient resources to live quite comfortably without me, but I had hoped to provide him and the adult children with a little Mad Money when I’m not around. These insurance companies evidently consider me a poor investment at this juncture so I guess it’s my responsibility to prove them wrong. 😉

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Yeah it’s sobering to hear that- since I have MGUS too. But we aren’t statistics and best not to let that get into our heads.

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2121 | @leslie2121 | Jun 22, 2023

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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1 reply
Mentor
Patty, Volunteer Mentor | @pmm | Jun 23, 2023
In reply to @leslie2121 "I thought of you, “pmm “ when I saw a commercial for Mutual of Omaha on..." + (show)
@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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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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