Reader’s Question:

My mom at 40’s got lung cancer and after several expensive treatments, she seemed ok now. What are the chances that she can have life insurance in Cleveland Ohio OH?

Michael

Cleveland, OH

Hello Michael

I’m glad that your mom is ok now. Hope you are all doing great with her back on her toes. Anyway, to answer your question, let me shed you a little fact about how life insurance companies view lung cancer. Don’t worry, their perception is more or less from medical basis. Lung cancer is actually one of the most aggressive among many kinds of cancers. I’m just glad that your mom had early diagnosis of the illness so there was early treatment given as well. However, lung cancer has just about 6% survival rate and your mom and your family could have received a miracle. But to get life insurance would be already difficult. This is not to keep your hopes on life insurance but it would still be worthwhile if you ask quotations or verification from life insurance companies in Cleveland OH. Get in contact with at least 3 or even until you get a conclusion that life insurance companies in Cleveland Ohio OH does not accept surviving lung cancer patient.

The reason why I want you to make your own research is because life insurance companies do have different underwriting decision with cancer patients. Most especially if your mom seemed to be healed already. Perhaps out of ten life insurance companies in Cleveland, there may be 1 or more of them who have products that will fit your mom’s condition. Just be warned though that you may pay high premiums for your mom’s case.

Tags: cancer life insurance, life insurance

Reader’s Question:

I got healed from my breast cancer in 5 years now, but how can I find life insurance in Jersey City NJ that has the lowest premium?

Amanda

Jersey City, New Jersey

Hello there, Amanda

It does pay to have life insurance when you are well and I’m glad you are. However, some life insurance companies may view your case differently. Life insurance companies have various underwriting decisions with cases of cancer. However, if you provide them the right and accurate details about your treatment and how well you are now, you could definitely be entitled with the best deal.

Finding the lowest premium for life insurance with cancer in Jersey City is definitely easy. You just need to get 5 life insurance quotes. If most of them do not give you the deals that you want, you can get 5 more. Anyway, with the advent of the internet, you can request for online quotes as easy as a click in the mouse.

The idea is to shop for life insurance companies who deal with cancer cases. Good thing about you, it has been five years already since you had your last treatment and for some life insurance company, the breast cancer survivor can have a chance to get normal premiums. Again it’s just a matter of shopping around. And most importantly, just give them the details that they want so they can ascertain the best deal they could offer you. Anyway, there would be no point in hiding things because life insurance companies in Jersey City would most likely still coordinate with your physician about your case.

Tags: cancer life insurance, life insurance

Reader’s Question:

What are my chances to get life insurance here in Manhattan after I had breast cancer?

Gina

Manhattan, NY

Hello Gina,

Generally, life insurance companies deal differently with various cases of cancer. Usually, the first thing they have to do is know the extent of the case. Life insurance companies in Manhattan and other places for that matter, ask a lot of question on the patient. They verify when the illness occurred, what kind of tumor there is, what stage is the breast cancer, the treatment done so far and what is the current situation. Life insurance companies would usually require you to fill up questionnaires and would verify from the attending physician. With this information, life insurance companies will have various quotes but they would most likely provide life insurance when the patient received treatment.

If you received treatment during stage 1 of your breast cancer, you have high chances of getting life insurance. But just like any life insurance with health problems, you may need to pay high premiums. These high premiums will be due any applicant who had treatment for about 5 years past already (during 1 to 2 stage of the cancer). If it goes beyond five years, there are chances that you pay normal premiums. Only if the cancer case is at stage four will the life insurance company decline the life insurance application.

Tags: cancer life insurance, life insurance

Reader’s Question:

I am a cancer survivor. Hoorah! Three years ago, I was diagnosed with beast cancer. Thanks to today’s medical advances, I feel great. I am even considering life insurance. Is it a hopeless pursuit?

Sharon

Olathe, KS

Congratulations, Sharon!

Once upon a time you would be a medical miracle. Most forms of cancer are treatable. Amazing, isn’t it? Life insurance companies in Kansas KS are well aware of the advances in cancer treatment, which are truly amazing. Under certain situations, most life insurance carriers offer policies to cancer survivors.

To begin the process, you should contact a life insurance agent in Olathe, Kansas. You will find them enthusiastic. Who would not respect your accomplishment? The life insurance agent will seek preliminary proposals for coverage from several life insurance companies. All carriers will have differing standards for consideration. You and your physician should review these standards.

As your life insurance expert in Olathe, KS provides information, you will be required to provide substantial medical information. You and your physician will be interviewed by the life insurance carrier. You will need to substantiate your care and progress. The life insurance company will be familiar with your treatment and medications. Assuming you are progressing as well as it sounds, you should be eligible for coverage.

Tags: life insurance, cancer life insurance

Reader’s Question:

Are we able to know if a person had a life insurance before he died? Some people don’t have relatives living near to them and when they die, will the insurance company be freed from their responsibilities to the policy holders? Are there cases like that? I’m just curious and it kills me.

Benedict

Albany, NY

Hello, Benedict! That’s true that some people may be confused of how dead people will enjoy their benefits from their policies if nobody knows where he placed his policy documents.

You may check his important documents on his working station or personal cabinets and the safety deposit box, as well. Call agencies that you suspect the person has done business with regarding life insurance, home insurance, investments, retirement planning, etc. You may also contact the family lawyers of your relative who passed away. The lawyer may be informed of the insurances of the dead person.

You may also check his emails if you have an access to the person’s accounts.
Life insurance is often purchased for a purpose of protecting the insured against loss of income, but policyholders commonly fail to inform the beneficiary(s) of the policy’s existence. This may result to policies go unclaimed based on long dormancy periods or lack of awareness. Insurance companies distribute what is rightfully due as stated in the policy, but the responsibility to claim benefits lies with the beneficiaries.

You may also go to the bank where the deceased had an account and check for the regular withdrawals.
If you have more information regarding the owner’s job, try to contact their company and ask.

These are just many scenarios that could possibly trigger you to inform your beneficiaries of your commitment in insurance companies. We can never tell what will happen in the next 24 hours or so, so get ready as often as you could!

Reader’s Question:

I have cancer and my life insurer dropped my coverage. They justified dropping me for apparently non-disclosure of my medical condition. I was not diagnosed until 2 years after I had my coverage and there was not history of cancer in the family. Do people like me who have cancer still have options for life insurance coverage?

Kindra

Albuquerque, NM

Hello there Kindra.

I am delivering you good news today, since you will no longer get rejected for life insurance coverage just because you have cancer. Have you heard of no exam life insurance? It can be the most instant life insurance coverage you can have without undergoing a tedious underwriting and physical exam.

Approval can take as quick as 15 minutes and some would take as long as 48 hours. By shopping online, you can find all top carriers which can offer no exam life insurance coverage. You can be happier this time since insurers that offer no life insurance coverage will still consider your application despite denial of application, rated, or postponed insurance in the past.

The process can be as simple filling out a questionnaire online or through a phone interview. This type of insurance is not only designed for people with medical condition like you, but also for those who can’t make time to have physical exam due to their busy schedules, or those who are so afraid of medical exams for fear of needles.

There can be many coverage for no exam life insurance like final expense insurance, senior life insurance, senior whole life insurance, simplified issue whole life, instant term, or fast life insurance.

You can try to make sure you do exhaustive research before you make a purchase for you to compare quotes. If you like, you can enter your zip code on the relevant space in this page.

I hope you find this useful for your special life insurance needs.