Fiber Optic Scope Source

Endoscope Processing

Applying Term Life insurance while waiting for lab results?

I had an endoscope and doctor find out that I might have lump or cancer. The doctor said he need to test on cell and let us know the result in two week.
I want to have life insurance Amount $100,000, 20yr term. Here is my questions, as soon as I apply application, do I have to tell them he had test and waiting for results or just not saying anything since underwriting is processed, they'll find out right? or not? I'm not sure. If company didn't find out and approve insurance, is this legally ok? (for future claim)
I don't know, what is best way to have me life insurance with lower rate
Thank you for your answers.
Is there a term policy that has no/little medical underwriting. Can I have that information? Thank you
If I'm applying no medical underwriting, do I need to wait after test results or before test results to apply? To get better rate.

Yes, you have to tell them there's a current medical situation going on - they'll find out anyway.

Not disclosing it, is a material misrepresentation. If you died, THEN the company would investigate, and it would be found out.

Better not to apply right now, though - as you have an unknown situation going on, it's going to be an automatic decline, and then that decline will go on your record.

Life insurance isn't like car insurance - you apply first, write a check, then they do the bloodwork & such, then they check your medical records with MIB (which is how you'll be found out), and it takes WEEKS after you pay, before the rate is finalized and coverage becomes active.

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ASP Webinar 4 - Experts Answer Your Facility's SS1 Transition Questions

Question about Endoscopes ?

With an Endoscope, What is the Physical process that the light undegoes in this instrument ? And how is this an advantage to the traditional process they used on patients ?

It's a fiber optic tube that uses total internal reflection to transmit the image back up the tube. no need for separate source of light tube.

An endoscope can consist of
a rigid or flexible tube
a light delivery system to illuminate the organ or object under inspection. The light source is normally outside the body and the light is typically directed via an optical fiber system
a lens system transmitting the image to the viewer from the fiberscope
an additional channel to allow entry of medical instruments or manipulators

Endoscopy is the vehicle for minimally invasive surgery, and patients may receive conscious sedation so they do not have to be consciously aware of the discomfort.