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.

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.

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?

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.

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.