Quick question. I have undergone a nose polyp removal surgery in 2016 (could hardly breath through both nostrils at that time, usually one is blocked). Does this affect claimability of term-life insurance that I bought directly with insurance (no agent)? Because these life insurance you can usually buy online without requiring in-person medical checkup.

If it does, is there a way to bypass the exclusion? For example, get the doctor who did the surgery to write a letter saying that my nose is 100% ok and will have no complications?

This post has been edited by imnotabot: Feb 29 2020, 03:50 AM