Term life policy cancelled by insurance company
I took out a term life policy ( simplified) for 400k was instantly approved based on the question response. I'm 31. However, one thing clicked my mind post approval that 2 years back I went to the cardiologist for some heart test, echo, stress test and holter test. Reason was same time my dad was diagnosed with heart failure and I thought Im experiencing same symptoms, however everything came normal no impact.
So next day I told my insurance company agent that I had some heart test done and shared the reports and he said underwriter would review this and would get back. Next thing I know my policy is cancelled.
On talking to agent thy said you need to reapply with correct information for health questionnaire.
My doubt is I would share whatever information I have for taking out policy again, but what I'm afraid is can insurance company deny claim God forbid something happens to me in future due to this ? Or citing it was pre existing condition?
submitted by /u/StarSuitable
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