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.

Reader question:

Can I get instant life insurance coverage with cancer on my medical history?

Mike

Thanks for asking, Mike.

Finding instant life insurance coverage with cancer in your medical history is tough, but not out of range entirely. So long as cancer has been in your past for at least 2 years, it’s not so much whether you can find it at all, but whether you can find it with good rates. This depends on several things, from your type of cancer, to any complications, how you are doing now, and how long you have been in remission. You can, for example, get better rates if you had breast cancer than if you had colon cancer.

It might be a good idea to get instant life insurance coverage with cancer in the form of a guaranteed issue policy. A guaranteed issue policy is expensive because it is given out regardless of past medical conditions, but it is sometimes the only way to go for cancer survivors. Contact a broker or go online and gather life insurance quotes to find out if there is a guaranteed issue policy with a price good for you.

take care,

Fashun