I have a client that has been in remission from breast cancer for 3 years. She had a mastecotomy and takes no medication and has had no treatment for 3 years.. She is 63. Is there any carrier that will even look at this in Texas?
In SC, Rule of thumb with most companies is 0-6 years = Decline... 7+ years subject to underwriting. This probably holds true in most states I would assume.
You may have to go with a graded benefit whole life but this can be very costly and face amounts are limited.