I just started a new job and I am trying to decide if I should choose a lower life insurance option that does not require the evidence of insurability form, or take the risk of applying for the higher insurance that I really want. I had DCIS a year and a half ago which was fully cured with mastectomy. I needed no chemo or radiation and had a clean 1/year check up. Has anyone had the experience of being rejected by a life insurance co for similar reasons?