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.

Tags: life insurance advice, life insurance application, life insurance company, life insurance cover, life insurance coverage

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.

Tags: cancer life insurance, life insurance, life insurance quote

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.

Tags: cheap life insurance, instant life insurance, no exam life insurance

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.

Tags: cancer life insurance, cheap life insurance, instant life insurance, no exam life insurance

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.

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

Reader’s Question:

My aunt was recently diagnosed with cancer. She is still sending her kids to college and now she regrets not having acquired life insurance earlier. Is it too late for her to get life insurance in New York, New York?

Tristan

New York, NY

Hello, Tristan from the city that never sleeps!

I believe in two adages when it comes to acquiring life insurance: one is that “it is never too early to get life insurance” and two is “better late than never”. So, your aunt still has a chance to act on the thing she regrets about. But she has to act fast, as soon as possible. To do this, you should help her get instant life insurance quotes from insurers in New York, New York and there will be plenty, I tell you. All you have to do is go online and provide your New York, New York zip code, similar to what you can do on this page, to get instant life insurance quotes from various New York insurers. You can use these proposals as a guide to her application.

Instant life insurance can also be completed online, for faster activation of plans. However, it is very crucial that she provides all pertinent documentation including lab results, prescriptions, medical records to the insurers so that it will be considered when her insurer comes up with a proposal for her. If I can give some unsolicited advise, the best deal to get is a term life insurance which will be good for say, five years. This will be the cheapest, and in that short time her kids would have graduated from college. At the end of the five years she can decide if she’d still like to renew her life insurance policy, or upgrade it or surrender it.

I am sure you will agree with me when I say that you live in a place that is a universe by itself. Instant life insurance is just one of its many, many offerings. Regards to your aunt, Tristan, I wish her the best!

Tags: cancer life insurance, instant life insurance, terminally ill insurance

Reader’s Question:

An office colleague in Omaha, Nebraska was recently diagnosed with cancer. Everybody at the office is pooling resources to help her and she keeps saying that she wished she had a life insurance policy. We are thinking of getting her a life insurance plan as a gift but we don’t know if there will be one for her. Please advice.

Blake

Omaha, NE

This is such a wonderful gesture from you and your colleagues, Blake. I am sure that your sick office mate will greatly appreciate what you are planning for her. It is understandable why she’d want a life insurance plan in Omaha, Nebraska since it will somehow help her family go through life without her, at least financially. But we really can never tell when we need life insurance, do we? That is why it is always a risk worth taking, lest you face the consequence, such as this one. I hope that you and your office mates in Omaha, Nebraska will learn some valuable lessons from this experience.

Anyway, Blake, let’s get back to your question. Yes, there will still be a life insurance plan suitable for her and it will be good for you and your office mates to get free offers from several insurance companies before deciding on one; you can do this by entering your zip code on the blank space that you see on this page. Insurers in Omaha, Nebraska offer cancer life insurance particularly for cancer-stricken customers. Depending on how advanced the disease is, they will offer varying life insurance plans. Your colleague should be prepared to discuss her condition with your chosen insurer for the insurer to come up with the most appropriate life insurance package for her.

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