Reader’s Question:
My dad had lung cancer at his 50’s. He managed to recover after several expensive treatments and he seems to be doing fine. Can he still have life insurance in Jersey City New Jersey NJ despite his condition?
David
Jersey City, NJ
Hope you are all doing great with your dad back on his toes. Insurance companies will have a perception that is lesser from medical basis. Let me shed you a little fact about how life insurance companies view lung cancer. Lung cancer is viewed to be one of the most aggressive among many kinds of cancers. It is good too that your dad had early diagnosis of the illness so there was early treatment given as well. Lung cancer has just about 6% survival rate. Your dad and your family could have received a miracle by his recovery. Getting life insurance would be very difficult. This is not to keep your hopes on life insurance. It will still be worthwhile if you ask quotations or verification from life insurers from Jersey City New Jersey NJ. Get in contact with at least 3 or even until you get a conclusion that life insurance companies in Jersey City New Jersey NJ does not accept surviving lung cancer patient.
I will be very important that you make your own research because life insurance companies do have different underwriting decision with cancer patients most especially if your dad seemed to be healed already. There might be 1 or more out of ten life insurance companies in Jersey City New Jersey NJ, who have products that will fit your dad’s condition. For any life insurance for people with illness, be warned though that you may pay high premiums.