Reader’s Question:

I already know and accept that I have cancer. Fortunately, it is only Stage 1 but I know that it will still command higher rates if I apply for a life insurance policy in Honolulu Hawaii HI. Should I just try to rig it?

Marissa

Honolulu, HI

Allow me to be candid here, Marissa – this is what you should never ever do. Rigging or being dishonest with your life insurance will not help you in any way. It will, in fact, be very heartbreaking for you to find out that your life insurance has been cancelled at a time when you and your family need it most.

Anyway, you are fortunately at Stage 1, like you said, and this brings great promise to you in terms of finding life insurance in Honolulu Hawaii HI. But I might as well tell you know that you will be charged higher premiums than ordinary applicants. Premiums will always vary from one insurer to another because they will have different ways of underwriting certain conditions and so it is but imperative for you to look around and not just be fixated by one insurance company alone. What you need to do is to enter your Honolulu Hawaii zip code on the space provided for you to have multiple quotes. You may want to visit them to discuss in detail your present condition and what the outlook is for you.

Remember to be transparent and truthful all the time, Marissa: insurance companies in Honolulu Hawaii HI tend to err on the conservative side. Their general rule in this case is “When in doubt, don’t!” you do not want to put them in doubt of your actual standing so allow me to use another cliché : “Honesty is the best policy”.

Tags: cancer life insurance, illness life insurance, sick life insurance

Reader’s Question:

A sad thing happened today, I just learned that I have cancer. But hey, life goes on. Ironically I’ve set an appointment with my insurer in Scranton Pennsylvania PA next week hoping to get life insurance. Should I even bother?

Arianna

Scranton, PA

Of course you should still go ahead with your appointment, Arianna. Like you said, life goes on and this is a very opportune time than ever to get life insurance. You might also want to get second and third opinion about your illness. But even if you really have cancer, there is still no reason to discontinue with your application for life insurance in Scranton Pennsylvania PA.

In fact, you should make your application process easy by being ready with all the medical information you have, including examinations, pathological records, the treatment that was recommended by your doctor, and anything else that you can provide him with. This will make it easy for your insurer to have a better picture of your condition, lest he assume that your condition is graver than what it actually is. Remember that insurers are trained in risk assessment and management, and will also always be conservatives. This means that if they do not have sufficient information to assess what level of risk you will be, they will always assume the worst, and either charge you with very high premiums, or worst, deny your application.

Speaking of life insurance premiums, insurers around Scranton Pennsylvania PA may assess and evaluate your condition differently so it will be best to shop around for various quotes. To get five different quotes, type in your zip code at the top of this page and answer some questions.

Life does not stop here, Arianna, it goes on. I will want to hear from you in a few months’ time to know how you are coping.

Tags: cancer life insurance, illness life insurance, sick life insurance

Reader’s Question:

I am very proud to be a breast cancer survivor. It’s been almost six years since I defeated the Big C and I now want to get life insurance in Philadelphia Pennsylvania PA. Do you know which company offers the best deal?

Bailey

Philadelphia, PA

Hooray to you, Bailey! There is nothing better than to hear somebody has survived cancer and I hope you share your stories with many people as possible. You can start with Philadelphia Pennsylvania PA where there are more than a million people. The world should hear your great success story and there will be many cancer patients out there who will find hope in seeing a fellow patient survive the disease.

Because of the status you are now in, there may be insurers in Philadelphia Pennsylvania PA who will not even categorize you as a cancer patient, therefore making your choices for life insurance wider and also driving the premiums lower. One company will definitely vary from the other in terms of interpreting your case or your condition, and this will result to varied life insurance packages and naturally, varying life insurance premiums. The key as always, is doing your homework, by researching the internet for insurance companies that will give you the best deal possible. This page, for instance, gives five free quotes when you enter your zip code, and this will happen in less than five minutes. You should then compare these five quotes side by side and meticulously identify the pros and cons each package would have over the other.

You can do this with your eyes closed, Bailey and even while sending an sms to your friend. Having survived cancer, I know that you know how not to sweat the small stuff and this is just small stuff.

Tags: cancer life insurance, illness life insurance, sick life insurance

Reader’s Question:

Supposing I was on early stages of cancer and didn’t want to go through the embarrassing experience of taking a medical examination, will there be a way for me to get life insurance in Anchorage Alaska AK?

Isabel

Anchorage, AK

Allow me to first point out a little fact, Isabel. There is actually no reason really for you to be embarrassed by medical exams. These are routine procedures that aim to determine your state of health and if you were already diagnosed with cancer, you just have to be transparent about it and show you insurer in Anchorage Alaska AK the results of the diagnosis. You should also disclose all the information relevant to your condition including the stage you are in, how long you have been treated, as well as the history. You may think that this is limiting your chances of getting life insurance but on the contrary, insurance companies in Anchorage Alaska AK will appreciate your candidness and it is far better than being dishonest about your condition and having your policy cancelled in the future, when you and your family need it the most.

But if you are really uncomfortable with taking medical exams, there is the no exam life insurance policy that you can purchase online without having to undergo an examination. Everything will be done online including filling up the application form and submitting it. This may be a very lengthy questionnaire, though, as they would want to know as much about you as possible. Be prepared as well to pay more for this type of life insurance.

If you want to know more about this type of life insurance, cancer or not, go to the top of this page and plug in your zip code.

Tags: cancer life insurance, illness life insurance, sick life insurance

Reader’s Question:

I noticed that over the years, the insurance industry has adapted to the changes around it. For example, there are now specific life insurance for smokers. I am wondering if there will be one for cancer patients, too, in East Seattle Washington WA?

Avery

East Seattle, WA

You have a very keen eye, Avery, to have observed this detail. There have been studies in recent years showing that the average health of Americans have shown a decline, although others may refuse to believe this. Similar to what you have mentioned, the insurance industry has changed many of its policies to cater and conform to the present conditions of the country. They wouldn’t want to alienate or isolate a certain market group and so the only thing left to do is adjust.

It has been said that doctors have diagnosed approximately 1.4 million new cancer cases last year and this is according to the American Cancer Society. This is a very powerful market group, if there is one. And so it would be unwise for insurance companies to ignore this market.

There will be many insurers in East Seattle Washington WA who will offer life insurance for cancer patients but this will be evaluated against the stage of the cancer. Also, it is often the case that premiums will be higher for cancer patients than for others.

To look at the different types of life insurance including those for cancer patients, please enter your zip code on the space you see at our home page.

Tags: cancer life insurance, illness life insurance, sick life insurance

Reader’s Question:

My friend’s mom from was diagnosed with cancer and the bills are really crippling them, aside from the fact that she has stopped earning for them. I was wondering if it would be a good idea to tell them to get life insurance. Can they find an insurer in South Aurora Colorado CO?

Claire

South Aurora, CO

I admire you, Claire, for being such a good friend. Times like these, people can really use all the help and assistance they can get. And I imagine how devastating this must be for your friend and her mom. Cancer can really happen to anybody and it would have been ideal if she has gotten life insurance or annuity from any insurance company in South Aurora Colorado CO when she was younger and still cancer-free.

But this shouldn’t stop you from still bringing up the idea to them. I would recommend though, that you first check for yourself so that you do not unnecessarily give them false hopes, if ever.

There will be insurers around South Aurora Colorado CO who will be willing to take your mom’s friend for life insurance but it would depend greatly on the stage she is in. The more advanced the cancer is, the lesser chances she has on getting life insurance. Or you can wait until she survives this bout and probably after five years, she can easily apply because she will be considered a survival. For this you can canvass within the area for insurers offering this type of product. You can also do that through this page by entering your zip code on the space you see.

Tags: cancer life insurance, illness life insurance, life insurance coverage

Reader’s Question:

I was recently diagnosed with breast cancer. I have actually planned to purchase life insurance this month but with this new development I’m a bit wary to approach insurers in Alameda California CA. Will there be an insurer who will be willing to sell me a life insurance policy?

Erin

Alameda, CA

I wish that you had given me more information about you and your breast cancer, Erin, so I could have given you a more definite answer. Insurers in Alameda California CA will evaluate you and your condition in differing ways, so you will have to be prepared to talk to more than one insurance company. Similar to any other insurance purchases, it will always be advisable to check the available options you might have. To help you cut the tedious process of looking for an insurer, what you preliminary do is enter your zip code at the top of this page for free quotes. At least you will already have five companies in your hand and you will not tire yourself unnecessarily by calling them one by one or worse, visiting their offices one at a time.

Getting life insurance depends on how far you are with cancer, Erin. As always, insurers in Alameda California CA will evaluate how risky you are and you know that this is always interlinked with your health condition. So if you are already in advanced stages, say Stage 4, you will most probably be declined by most insurance companies because this stage is considered a terminal stage. But if your cancer is only at the early stages, you have a great chance of getting life insurance. Again, always check your options and do not settle with the first company that offers you a deal. Even with cancer you should always make sure that you have compared your options well.

Tags: cancer life insurance, sick life insurance