Early 50's. Birthday mid year. Two teen dependents.
Quit smoking December 2021 (not a full year).
Full medical exam w/ blood work coming up next week last blood work 1yr ago was pretty good.
Had a cardiac stress test and cardiac calcium scoring a few weeks ago (all clear).
Had lung CT cancer screening come back w/ "RADS-2" rating for follow-up in a year (basically a couple of minor areas to check for growth in a year).
The lung cancer screening result is the one that worries me for applying for insurance. Nothing was 'found' but they want another review in a year. Regarding quitting smoking etc I understand waiting a full year is best.
Thoughts? I 'm thinking of a 15 yr term or maybe a whole life policy. I have coverage through employer and an expensive guaranteed issue (100k/$160/mo) that I'd like to replace.
Quit smoking December 2021 (not a full year).
Full medical exam w/ blood work coming up next week last blood work 1yr ago was pretty good.
Had a cardiac stress test and cardiac calcium scoring a few weeks ago (all clear).
Had lung CT cancer screening come back w/ "RADS-2" rating for follow-up in a year (basically a couple of minor areas to check for growth in a year).
The lung cancer screening result is the one that worries me for applying for insurance. Nothing was 'found' but they want another review in a year. Regarding quitting smoking etc I understand waiting a full year is best.
Thoughts? I 'm thinking of a 15 yr term or maybe a whole life policy. I have coverage through employer and an expensive guaranteed issue (100k/$160/mo) that I'd like to replace.