Applying for life insurance after learning I'm at risk for cancer - Business Insider

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, but our reporting and recommendations are always independent and objective.after getting diagnosed with a BRCA1 mutation, which puts me at higher risk for breast and ovarian cancer., so I applied there too. My quote was about double his.

After talking to a friend, I learned that people with preexisting conditions often do better when they get multiple quotes. So I applied through the insurance aggregatorPolicygenius can help you compare life insurance policies to find the right coverage for you, at the right price » My husband and I decided not to take out life insurance policies during the first few years of our marriage. We didn't own a house, didn't have any kids and didn't have any debt. If one of us died, the other would be able to support themselves fairly easily.

Then, in 2017, I was diagnosed with a BRCA1 mutation, which increases my risk of breast and ovarian cancer. My grandma died of ovarian cancer in her early 40s, so I quickly realized thatI wanted to find coverage quickly because some insurance companies haven't started penalizing applicants for genetic mutations, but that could change in the future. My goal was to get something locked in before genetic testing results became mainstream and part of every life insurance application.

After a few setbacks, I was able to find life insurance coverage that I'm happy with. Here's how I chose my policy — and the mistake I made that almost cost me well over $100 a year.After the BRCA1 diagnosis, I scheduled some preventive surgeries to reduce my cancer risk. This meant I had to wait to apply for coverage until my surgeries were over. In the meantime, my husband got a

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