My husband is an insurance agent and my father was an agent for 45 years. He put me to work when I was 14 in his agency so I have alot of insurance experience. When my husband was diagnosed, of course we started looking at our policies on him, and although we have alot since we sell it, it seems when this happens you suddenly feel like you can't have enough. (especially with three young children) Anyway, usually the co we work for will not even consider life insurance until you are 10 years out, then they will consider it and either issue it, decline it or issue it at a rated premium. I am sure there are companies that might write a little sooner, say five years out with a rated premium, but I'm not sure. As far as withholding the fact that you know you have cancer, there would be a problem when they filed the claim and medical records revealed it. I would check around with different companies and ask them there general policies regarding what they have to offer. I am pretty sure all of the companies that say there is no exam still have the minimum questions on their application. Good luck and if you find any places that offer it, please post. In the mean time if I learn of any, I will post too!