Reader’s Question:

What are my chances to get cancer life insurance here in North Cleveland Oklahoma OK after I had breast cancer?

Gina

North Cleveland, OK

Life insurance companies that offer life insurance for cancer survivors or patients deal differently with various cases of cancer. The first thing these insurers do is to is to know the extent of the cancer case. Life insurance companies in North Cleveland and other places for that matter, ask a lot of questions on the cancer patient. Questions would be relative to some verification process: what kind of tumor there is, when the illness occurred, what stage is the breast cancer, the treatment done so far and what is the current situation. Life insurance companies that offer coverage for those with cancer would usually require you to fill out questionnaires and would verify from the attending physician. With this information, these companies will then 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 in North Cleveland, OK. But just like any life insurance with health problems, you might need to pay relatively higher premiums than the conventional life insurance policies. These high premiums will be due any applicant who had treatment for about 5 years past already, perhaps during stages 1-2 of the cancer. If it is already beyond 5 years, there is a chance that you get to pay normal premiums. If the cancer case is at stage 4, life insurance companies would normally decline the life insurance application as this is deemed to be terminal case.

Tags: cancer life insurance, life insurance leads

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.

Tags: life insurance leads, cancer life insurance

Reader’s Question:

I was just diagnosed with cancer and my insurance company just dropped my policy. They said that they cancelled me because I apparently didn’t disclose my medical condition to them. The thing is, I was approved for coverage a year before I was diagnosed with cancer. Is there any hope for me, or those who have cancer, in terms of life insurance coverage?

Sam

Anchorage, Alaska

I’m sorry to hear about you having cancer, but looking on the bright side, I’m glad to tell you that you don’t need to go through insurance rejections just because you have cancer. This good thing comes in the form of no exam life insurance.

From it’s name, it means life insurance without any medical examination needed. I know that having cancer requires you to go back and forth to hospitals and take lots and lots of horrendous tests. No exam life insurance means that you don’t have to go through those, while getting your insurance coverage quickly!

You can get the results of your application within five minutes, although some may take as long as two days. You can find insurance companies that offer no exam life insurance policies that will consider your application even if you have been rejected or denied in the past.

This kind of insurance was created with people like you in mind, because after all, you do need it the most. But it is also applicable for people who don’t have time for medical examinations, or are afraid of them. All you have to do is go online and search for legitimate companies that offer this kind of policy. You can search through search engines or type in the zip code of Alaska in the appropriate space in this webpage to find insurance companies near you!

Tags: cancer life insurance, no exam life insurance

Reader’s Question:

I am a cancer survivor and it has been three years ago since I was diagnosed with ovarian cancer in Boise, Idaho ID. Thanks to today’s medical advances for I feel great, without any traces I ever had that in the past…will I be eligible for life insurance though despite this history of cancer?

Eunice

Boise, ID

Once upon a time you would be a medical miracle, but now, almost all forms of cancer are treatable. That’s really amazing, and so would be the companies which offer life insurance to those with history of cancer.

Thanks to the advanced medical technology which life insurance companies respect and acknowledge that cancer is now curable. Given you pass specific requirements and under certain situations I am happy to inform you that most life insurance carriers in Boise, Idaho ID now offer policies to cancer survivors.

So you can start asking how, try to contact a life insurance agent in your are who will be more than happy to assist you. The agent will then seek preliminary proposals for coverage from several life insurance companies in Idaho. All carriers will have differing standards for consideration especially for special cases like yours. You can have your physician review these standards for validity too.

Your life insurance agent could provide you needed information on this type of life insurance. You might also be required to provide substantial medical information and expect that your physician will be interviewed by the life insurance carrier. All you have to do is to substantiate your care and progress. The life insurance company will be familiar with your treatment and medications and will soon verify if you are progressing as well as it sounds to check if you are eligible for coverage.

Tags: cancer life insurance, life insurance, life insurance application

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 question:

What do I need to do to compare rates for life insurance coverage policies with cancer in my medical history, and still get good quotes?

Molly

Thanks for asking, Molly.

Well, when you compare rates for life insurance policies with cancer coverage, you might want to look at two of the following options to get the best and cheapest rates: either join into a group policy, such as one with your employer, or you can purchase a graded policy, which only affords you limited benefits for the first couple of years that you have it.

Whatever policy type you choose when you compare rates for life insurance policies with cancer coverage, you need to come prepared. Grab up every last one of the medical records you have detailing how your cancer treatment went, what you did, what the doctor did, and what the two of you have been doing since then. This will show the life insurance company the strength of your recovery and how your own actions had a part in it.

If you want to show that, though, you have to walk the walk. This means following all of the treatment plans your doctor requires of you, staying healthy, and keeping track of your cancer so that you can do what is in your power to make sure it won’t come back.

take care,

Fashun

Reader question:

Why can’t I get term life insurance coverage with terminal cancer?

Amy

Thank you for asking, Amy.

Over a million people every year are diagnosed with some form of cancer in the United States. At the same time, over half a million people die of some form of cancer. It is a risky disease, and the doomed prospects facing those who have terminal cancer scares most life insurance companies away. After all, they don’t want to insure you for $300,000 if you have only 2 years to live and will only be paying $500 a month (which is pretty high for life insurance). They would lose a lot of money if they did that with everyone.

There are some types of cancer which might give you more of a chance to get term life insurance coverage with terminal cancer than others do. This is because these types tend to end in total recovery more often than others, and these include some kinds of breast and prostrate cancer. If you go into remission, you may even be able to get the regular rates with these.

Others, though, such as colon cancer or leukemia, pretty much preclude you of getting any kind of term life insurance coverage with terminal cancer at all. Speak with a broker first to see if a company which will insure you can be located.

take care,

Fashun