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April 13, 2009

Affordable Cancer Life Insurance

Filed under: Cancer life insurance, Life insurance with illness — visitor @ 11:53 am

Readers Question:

I want to be protected against cancer. What insurance should I get and will my regular health insurance work?

Sally

Athens AL

Health insurance can be helpful whether you are genetically inclined to cancer or not. However, there is what we call life insurance with cancer. This is a more specialized insurance because claims will be granted to policyholders that are diagnosed with cancer.

There are different kinds of cancer policies. The first one is expense occurred policy, which pays for the maximum value stated on the policy that is incurred during treatment. Second is indemnity policy, which is somewhat like the first only that it has a limit for each individual and it may not be at par with the actual expenses. Lastly, there is what we call the first occurrence cancer policy. They pay a lump sum of money ranging from $2,000 t0 $100,000 dollars upon diagnosed with cancer.

Bear in mind that this kind of insurance is not a substitute for a regular health insurance. However, if you want to be insured from this illness, the first thing you need to do is to review your policy. Certain insurance do cover dreaded diseases, which includes cancer, tuberculosis, renal failures and other illnesses identified by your insurance company. Doing this is also one-way to eliminate unnecessary expenses.

Second, if you really have high affinity to the disease, you need to shop around first. Compare the rates between companies. Do also check the benefits because cancer insurance has their limitations. Some examples of limitations are fixed dollar limits, non-coverage for cancer-related illness and many others. These things need to be clarified to avoid disappointments later on. Do also fish for second opinions. It can really help.

Lastly, get the insurance before even you contracted the disease. Life insurance with cancer will only cover expenses incurred upon diagnosis. Therefore, if you already have the diseases, chances are the insurance will be denied.

April 10, 2009

Essential Facts About Cancer And Life Insurance

Filed under: Cancer life insurance — visitor @ 3:36 pm

Readers Question:

Would it be difficult for me to find a life insurer now that I was just diagnosed with breast cancer?

Joanne

New Orleans, LA

Honestly, yes. It would be very difficult for someone who just got diagnosed with cancer (of any form) to get life insurance coverage. In fact, some life insurance companies might even deem you as uninsurable because of this. However, if you act quickly and with the right know-how, it’s not impossible to find a provider out there cover you.

Get Life Insurance Coverage Immediately

Most insurers can still grant coverage to people who just got diagnosed with cancer. The kind of cancer you have will and it’s stage of progress, of course, have an influence on how many providers are willing to cover you. Getting cancer while undergoing treatment and chemotherapy is next to impossible! So the sooner you look for a life insurance company, the better chances of you getting coverage.

Look For A Specialist

There are providers out there willing to take in that risk. The Web – and the many life insurance portals like this website in it – is one of the most effective ways to locate cancer and life insurance specialists who can grant you the necessary coverage, for a price. Expect premiums to be very expensive. However, even these companies have competition so compare your options very carefully.

Go With An Experienced Life Insurance Broker

Note the use of word ‘Broker’, as life insurance agents have limited offers and won’t be of much help to you. An experienced, independent life insurance broker with the right contacts or affiliations can represent your case effectively and find a provider that can accept you as a customer.

A few things to keep in mind: even after surviving cancer your life insurance rates may still stay expensive, as the risk of re-occurrence is still high. It may take several years for your rates to drop to the average. Living a healthy lifestyle during this time can certainly help you get those affordable life insurance rates sooner.

December 31, 2008

Life Insurance With Cancer Ohio OH

Filed under: Cancer life insurance — visitor @ 9:13 pm

Reader’s Question:

My husband was just diagnosed with Prostate cancer, we were lucky enough to discover it in it’s early stages so the doctors here in Ohio are optimistic however, hubby and I are realist and we want to get life insurance for him and also for our kids, what should we know about life insurance for someone who has cancer?

Leisha

Cincinnati, OH

The first thing that you should know is that it would be very difficult to get a life insurance plan once an insurance provider knows that you have cancer. Additionally, it would be next to impossible to be granted life insurance coverage while undergoing cancer treatment. The fact that you and your husband was able to discover his illness early on, and that you are told by the doctors that the chances of a complete recovery are still high, would probably go along way in helping you to get a life insurance company to grant your husband coverage.

Certain forms of cancer are far riskier than others and this would have a big influence on how premiums will be calculated. It is also not advisable to lie that your husband doesn’t have cancer or any illnesses, since in the even that he does succumb to the disease your insurance carrier might refuse to pay you (or whoever your husband’s beneficiaries are) the death benefits.

It would be a good idea to run a life insurance quote check on life insurance portals, like this website, and focus on the companies that advertises the most competitive rates to increase your chances of getting a policy. The services of a knowledgeable and experienced life insurance agent or broker there in Ohio would also be invaluable at this point, since they may be able to negotiate coverage for you, as well as explain to you what to expect on your insurance before and after treatment.

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December 11, 2008

Cancer & Life Insurance Coverage West Virginia WV

Filed under: Cancer life insurance — visitor @ 6:59 pm

Reader’s Question:

Is it true that I would never be able to get a life insurance provider here in West Virginia because I was recently diagnosed with cancer?

Gale

Charleston, WV

Not necessarily, who ever told you that you can’t get life insurance coverage because you have been diagnosed with cancer is obviously out of the loop. Admittedly, it is somewhat of a challenge for cancer patients to get life insurance, given the right conditions or with the help of a skilled and experienced life insurance broker there in West Virginia backing you up you will, sooner or later, find someone who will be willing to provide you life insurance coverage.

There are exception of course, the probability of getting approved life insurance coverage would depend on how far the cancer has progressed, what kind of cancer it is (certain types of cancer can be easily treated with minor surgery if caught very early, and would pose very little risk to the patient), and the percentage of recovery from the said disease. It would be virtually impossible for you to be granted life insurance coverage if you are already undergoing cancer treatment so it’s best to be decisive about getting a life insurance policy as quickly as possible.

What you do need to know is that premiums for cancer life insurance coverage are more expensive. Even after successfully undergoing the treatment and managing to kill the cancer cells, you are still considered a “high-risk” customer. There will probably be a bit of a surcharge added on your policy for a year or so, this is just to make sure that the disease would not be coming back, after witch you can expect to pay normal rates again.

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December 4, 2008

Life Insurance Options For Cancer Patients North Dakota ND

Filed under: Cancer life insurance — visitor @ 7:46 pm

Reader’s Question:

I’ve been diagnosed with breast cancer here in North Dakota and I was wondering if I would still qualify for life insurance coverage?

Mayumi

Fargo, ND

It is still possible to get life insurance coverage if you were diagnosed with cancer depending on the type of cancer you have, its progress and whether or not you are already undergoing treatment. Most of the time though you will find it very difficult (or nearly impossible) to convince life insurance providers to give you coverage, while you are actually undergoing medical treatment. Certain type’s breast cancer for example, can be issued a standard life insurance policy with no additional premiums to be paid if you show strong signs of recovery and the said tumor is localized and can be taken cared of by undergoing surgery. (You or your doctor would probably need to submit all the medical and treatment history for evaluation)

You may also find some life insurance providers there in North Dakota that would be willing to provide coverage immediately after treatment, but would have a small premium added on the policy for a few years. This is additional security on the life insurance’s behalf and should be removed once you have shown signs of complete recovery and there would be no danger of the cancer growing back. It usually takes about two or three years of observation for someone who have had cancer treatment to be tagged as cancer-free. Of course it would still be beneficial to shop around and be aware of your options there. Just because you have cancer it doesn’t have mean that one should be over-charged for life insurance.

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November 28, 2008

Life Insurance With Cancer Texas TX

Filed under: Cancer life insurance — visitor @ 5:14 am

Reader’s Question:

Would I still qualify to get life insurance even if I was already diagnosed with cancer here in Texas?

Albert

Amarillo, TX

Although it may be a bit difficult or challenging to get life insurance after being diagnosed with cancer, it is still possible for you to get life insurance coverage there in Texas. The first thing you that you should know is that the type and stage of cancer you may have would greatly influence your eligibility for life insurance coverage. This will also heavily affect how rates you can expect from your policy.

For example, people diagnosed with certain types of skin or prostate cancer in its early stages, with a high success rate for the treatment, may be categorized under the standard life insurance policy and the said illness may not even have significant impact on the policy. Breast cancer, Leukemia and Colon cancer patients life insurance policies might come out completely different and could mean much higher life insurance costs, even rejection of the application of the illness is already terminal.

If you do manage to get a life insurance policy, do review the policy carefully as you may notice some added charges or flat rates due to your illness. Some people may choose to go with Guaranteed Life Insurance Coverage that does not require an individual to undergo extensive medical or physical exams, nor submit their medical history. These kinds of policies tend to have much larger premiums but it maybe your only option if you found yourself unable to acquire life insurance from anyone else.

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November 21, 2008

Cancer Life Insurance New Mexico NM

Filed under: Cancer life insurance, Life insurance with illness — visitor @ 9:56 am

Reader’s Question:

I am a breast cancer survivor living in New Mexico. Can I still get a life insurance?

Helena

Albuquerque, NM

I’m proud of you, Helena! And I’m pretty sure that getting a life insurance would be a piece of cake for you. After all, you fought with a deadly disease, and you won! There are a number of things that you should do to be able to get the appropriate insurance premium offers that you need.

You will need to acquire all your medical records before applying for a life insurance. Be sure to present your pathology reports, medical records, as well as records of your treatments. Those will provide the insurer a detailed and accurate image of you, your health and your cancer’s history. Keep in mind to have all these records before applying, so as to avoid certain delays in your application.

The more information you present, the better the chance of getting good premiums. Less information could lead your insurers to believe that you’re a high-risk client and therefore offer you high premiums.

As I have said, you need to give the life insurance company all possible medical records. With this in mind, be sure to comply with all the treatment plans laid out by your doctor. So, be certain that you won’t miss any of your check-ups.
Once you’re successfully treated, then you are very likely to obtain a life insurance policy with the best premium offers. I suggest that you check out insurance quotes from different companies there in New Mexico or get free quotes online. Good luck and have a wonderful day.

 

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November 14, 2008

Cheap No Exam Life Insurance Rates Central Coast California CA

Filed under: No exam life insurance — visitor @ 9:54 am

Reader’s Question:

I am not comfortable discussing my illness with strangers. I’ve recently been diagnosed with cancer and I am still coping with the news. Can I get life insurance in Central Coast, California without having to go through scrutiny…you know, the works…medical exams and interviews?

Aureli

Central Coast, CA

Hello, Aureli, you have such a nice name. Let me say right off that you are experiencing very common feelings synonymous to your situation. It is not very easy to accept life-threatening conditions like these and it is very admirable how cancer patients go through this phase. And insurance companies all over the world and in Central Coast, California perfectly understand this and acknowledge the need for special arrangements. As a result, there exist no exam life insurance which enables people who are uncomfortable taking medical exams (I think you qualify here) to skip the process.

To get multiple quotes for no exam life insurance, you just have to enter your zip code on the blank space you see on this page. About five no exam life insurance proposals will be given to you from various insurers in Central Coast, California and though you need life insurance fast, you still have to take enough time understanding each proposal.

You need to understand perfectly everything the policy says and please be mindful of the information you will disclose to them, particularly those pertaining to your health condition. Without an examination administered by the insurer, preexisting conditions will be determined only through the information made available by the applicant. This is a risk that both the insurer and the potential policy-holder should realize.

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No Exam Life Insurance Rates Burbank California CA

Filed under: No exam life insurance — visitor @ 9:52 am

Reader’s Question:

I learned from a friend that even with cancer I can still get life insurance in Burbank, California. But do I have to go through the medical exams again? I’d really rather not.

Leslie

Burbank, CA

Yes, Leslie, your friend has given you sound advice and it will do you well to listen to her. There are many insurers in Burbank, California who offer cancer life insurance and you will have an easier time looking for them if you use the search tool provided on this page for you. By simply entering your zip code on the blank space on top of the page, you can get multiple quotes for cancer life insurance which you can evaluate in your own convenient time.

For people with confirmed illnesses, there is what we call no exam life insurance which altogether skips the process of medical examinations. After all, it will only confirm what you already know and it will save time and effort for both you and your Burbank, California insurer. You will be required however to disclose all the information you already have with your potential insurer. You should be prepared to give them copies of all the documents you have including laboratory and radiology results, medical prescriptions, and any other documents that will best illustrate for them the condition you are in; this will also be for your best interest, Leslie. No exam life insurance waives all preexisting conditions and if by some chance, you failed to declare a condition you have, then, it will not be covered by your life insurance.

You are feeling normal feelings, Leslie, and the insurers in Burbank will be glad to cater to your wishes.

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Life Insurance With Illness Quotes Online Reading Pennsylvania PA

Filed under: Life insurance with illness — visitor @ 9:49 am

Reader’s Question:

I am just wondering if the insurance industry has lifted some of its limitations which used to discourage people with illness in the past. For example, I live in Reading, Pennsylvania, what would be life insurance options for me if I had a serious illness?

Amy

Reading, PA

Hello, Amy! I hope this is a fine day for you, it certainly is for me!

I may sound too biased here but I certainly believe that America has something to offer to all its citizens. And certainly insurance companies in the country (including those in Reading, Pennsylvania), have recognized that to sustain business, it has to cater to the changing needs of the consuming public.

Recent studies show that more and more Americans are contracting life-threatening illnesses over the years, perhaps owing to the change in lifestyle and eating habits. Depending on the type of illness, there are various life insurance packages now offered for customers. But this is not to say that the insurance companies in Reading, Pennsylvania have totally turned their backs on the wisdom of risk management. Still, insurers are conservative and will not take risks that are simply too high for them. For example, someone with terminal cancer may have a really hard time getting life insurance, if at all. This is because the risks are just too high for the insurance companies to take. You have to appreciate that insurance companies have a very high accountability to its policy holders and obviously they will not take on deals wherein they are sure to pay hundreds of thousands of dollars for a policy that was probably bought with just a few thousand dollars. But for diseases that have a high incident of full recovery such as prostate or breast cancer, it will not be too hard to get a life insurance that will cater to their needs.

Just to summarize, Amy, if you are suddenly stricken with a serious illness, you still have life insurance options, made particularly for people with serious illnesses.

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