1. Jerry Vanderzanden, CLU, ChFCPRO
    Co-Founder, Coastal Financial Partners Group, California
    Generally, no. However, like most things in life: it depends! Early detection and treatment is unlikely to present a challenge in the life insurance underwriting process. In the event of other conditions, related and otherwise, the outcome might vary. But in most cases I would expect the best underwriting classification would remain available.
    Answered on April 23, 2013
  2. Peggy MacePRO
    President and Senior Agent, Outlook Life, Most of the U.S.
    I contacted a life insurance underwriter for this answer, and they said: "In general would postpone until a colposcopy biopsy has been done and she has a normal pap". Once the pap smear is normal, the best possible rating class is possible even with the presence of the Human Papillomavirus.
    Answered on June 22, 2013
  3. Peggy MacePRO
    President and Senior Agent, Outlook Life, Most of the U.S.
    If the applicant with HPV (Human Papillomavirus) has had a colposcopy biopsy done and if the PAP smear is normal, the best underwriting lass is available (that is, if all other health factors, weight, etc point to the best underwriting class). 
    Answered on June 24, 2013
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