i have been diagnosed with a shadow on my lung ,i am waiting for tests to determine what this means . if this becomes terminal does this mean i am too late to apply for life insurance ? thank you graham5000

Yes. Any cover that you take out will exclude conditions that you already know about.

Hopefully it will turn out to be nothing too serious though. Good luck.

Hello

If you are over 50 then you could look at the companies that have Guaranteed Acceptance Plans, which require No Medical Evidence or ask any Medical Questions, you are simply accepted under the plan, cover is not normally paid out within the first two years (some companies have a one year limit) However should you die within the initial period the companies will refund your premiums paid to date. After that you are fully covered for the death benefit purchased.

Hope that helps

Good Luck I hope everything turns out to be fine.

Promanuk