If I Have Cancer In The Past Yr,, Can I Still Get A Cancer Policy

No, you have to be cancer free for either 5 or 7 years. I can't remember which one. You wouldn't qualify for the cancer policy though.

The application asks "Have you ever been diagnosed with or treated for cancer of any type or form"? If the answer is yes, and the cancer was an internal cancer, diagnosed or treated within the last 60 months (5 years) or for which preventive hormonal therapy had been received within the last 12 months (1 year), the policy won't be issued. 

Once you reach official remission of 60 or more months (5 or more years), you would be able to apply for the policy (before you reach the age of 65) at the same premium as someone who has never had gone through cancer. In this case, the only additional step is that a cancer history form would be part of the application.

If the cancer treated-diagnosed within the last 5 years were skin cancer, the policy may be issued with a skin cancer exclusion rider included. Once you have been in remission for 5 or more years, you could apply for the policy (beofre the age of 65) and the full policy could be issued.

The above is according to the cancer indemnity plan offered in the State of California. If you're in another state, the plan available may be a bit different. For more information and/or to find a local agent, your best bet is to call Aflac policyholder service, weekdays, 8 am - 8 pm EST, at 1-800-99-Aflac.

Best of health to you and Happy 2013!

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Leann Levine, Associate
Aflac, CA-Los Angeles