If you have a HPV virus, should you disclose that to a life insurance co. when trying to purchase a policy?
Question:
Answers:
It is a good idea to answer all life insurance application questions honestly.
HPV may lead to sterility or cervical cancer; however, it is not as extreme as HIV/AIDS or cancer.
To answer your question, the life insurance company has a two year contestability period in the life insurance policy. If you were to die as a result of some illness that you failed to answer honestly to on the application, they could contest paying the death benefit. Which means they may not pay the death benefit. But, they may pay any premium you paid, to the beneficiary of your policy.
However, if you live more than two years after taking out the policy, the contestability period has run out and your beneficiary should receive the death benefit from your life insurance policy.
If the life insurance company finds out about your health problem while you are alive, they may choose to cancel your policy, or increase your premium, or decrease your coverage amount. Or, they may exclude any payout for your policy if you were to die as a result of the HPV. I don't believe they would pursue any legal action against you because they have lost nothing at that point.
Also, you do have a choice of getting life insurance with no medical exam, no physical and no blood tests. You can get a free, no obligation quote at - http://www.rbcexpressterm.com/partners/default.asp?p=2041&promotioncode=FOIQA-TL-777
I hope that helps! Take care and best of luck!
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