Do I have to have a medical exam to apply?NO. You only need to answer a few questions about your health. Can I purchase a policy even though I have had Cancer?After 10 years has lapsed since being cleared of cancer you may apply for a cancer policy at that time. However, in the meantime, you can purchase our heart attack and stroke policy. Can I purchase a policy even though I have had a Heart Attack or Stroke?After 10 years has lapsed since an event such as a heart attack or stroke you may apply for a policy. However, in the meantime, you may purchase one of our cancer policies. How can I use my Flexible Choice policy?This policy pays you a lump sum to use in any way you need as soon as you are diagnosed. How can I use my Cancer Treatment policy?Your Cancer Treatment policy is designed to pay daily and one time benefits to you as the treatment becomes necessary. Can I purchase coverage for my spouse and children?YES! Our policies are designed to protect your whole family.