I'm sorry, but that is the craziest thing I've seen on here in a while
Glassman.  Not only is lying just plain wrong, that would constitute
insurance fraud --- resulting in higher premiums for you and me.

I like the suggestions of some others - find a broker that can search
for a policy that will either have a higher premium or one that has
exclusion causes.  There are policies to be had.  But to lie about your
health history is flat out WRONG.  That suggestion is laughable at
best, disconcerting most of all.

I understand the cultural perspective to look at insurance companies as
thieving bastards who take all your money then argue with you when you have
an honest claim.  Hell, that's how they get all those nice skyscrapers?

But, lying on your application regarding a health issue is insurance fraud.
Certainly, the fraud won't be charged because the crook will be pushing up
daisies by the time it is discovered.  But the beneficiary is not likely to
be paid; the premiums are not likely to be reimbursed; and the beneficiary
could be considered an accessory if she put her signature on the papers.

Don't try to outsmart the insurance companies.  They've been ripping people
off for millennia.  You might as well try outsmarting God.

....as I said "you're not going to like this", to prefice my remark.   My
advice was a desperate, last case scenario based on the OP problems. I have
to add that in the real world, as a last measure you do whatever you must to
help your family.  If I knew I was going to die, I wouldn't think twice of
doing whatever short of murder to make sure my family was taken care of.
I'd gladly risk prison or even IP's respect. Those of you with "higher"
moral fiber may get to heaven before me, but my family comes first at any
cost.  Screw the insurance companies.... they've been screwing us forever.
I'm sure we can all come up with multiple stories about them turning their
backs on the needy.  I don't buy into this insurance fraud BS as the cause
of high rates. Sounds like tobacco & cable company rhetoric to me.  Go into
any city or town in the world and look at the skyline. Who owns the biggest
buildings?  Who's execs get the biggest most inflated salaries? Who pays for
all this? Why can SBLI charge 1/2 the premiums the big boys can? Why do they
continue to sell whole life policies that are a terrible investment
according to most financial planners instead of term? Those are all much
bigger reasons for rates in my opinion then their advertised insurance fraud
BS is. Fraud may be responsible for 2-5% of claims, overhead is responsible
for as much as 50%. Getting a policy by lying about your PCa doesn't mean
that a claim will ever be made.  If you don't die from PCa will they refund
your money in 5 years?
   Sorry but that's my feeling.  I do have a bit of a history in insurance
as a financial planner and a stockbroker.  The training is as brutal a sales
course as a used car salesman.  Sell sell sell for commissions at any cost.
We got as much as half the first years premiums on a whole life policy....
and they say insurance fraud is the culprit? What a joke. If along the way
you do right by your customer, well that's even better. Oh by the way I have
plenty of insurance, both health and life thank god, well before my illness
struck.  Sorry for the rant.  I always teach my children that lying is the
worst thing you can do. This may be the one and only exception!

When I changed employers in April there were of course the pile of insurance
applications, Medical, Life (Met Life) and AFLAC. I was honest about my Pca
and my wife's Bca and treatments. The only coverage we were not eligible for
was the AFLAC "first occurrence of cancer". My share of the premiums came
directly from the tables based on age. Obviously the insurance companies
have their individual underwriting policies.

Tom