u/stickseason99

Hello! My father was recently diagnosed with HCM (Hypertrophic cardiomyopathy). I'm 27 years old and generally healthy, active, and asymptomatic, but I'd like to get screened just in case. But before I do I'd like to have a life insurance policy in place, since I understand that if I do end up having HCM it could be impossible to secure afterwards. I had never even thought about life insurance before this, so I don't really know where to start or how to navigate this.

Has anyone else in this group faced this situation? I don't know how to find a reputable broker or a policy provider who can insure me fairly. I want to avoid applying to insurance companies willy-nilly, since I learned that if they reject me it can end up on my public MIB record and this could impact my rates with other providers, or my ability to even secure a policy with another provider. Any recommendations for companies, brokers, or relevant next steps? Thanks so much!

Hello! My father was recently diagnosed with HCM. I'm 27 years old and generally healthy, active, and asymptomatic, but I'd like to get screened just in case. But before I do I'd like to have a life insurance policy in place, since I understand that if I do end up having HCM it could be impossible to secure afterwards. I had never even thought about life insurance before this, so I don't really know where to start or how to navigate this.

Has anyone else in this group faced this situation? I don't know how to find a reputable broker or a policy provider who can insure me fairly. I want to avoid applying to insurance companies willy-nilly, since I learned that if they reject me it can end up on my public MIB record and this could impact my rates with other providers, or my ability to even secure a policy with another provider. Any advice for companies, brokers, or relevant next steps? Thanks so much!