<strong>Readers Question:

Would it be difficult for me to find a life insurer now that I was just diagnosed with breast cancer?

Joanne

New Orleans, LA

Honestly, yes. It would be very difficult for someone who just got diagnosed with cancer (of any form) to get life insurance coverage. In fact, some life insurance companies might even deem you as uninsurable because of this. However, if you act quickly and with the right know-how, it’s not impossible to find a provider out there cover you.

Get Life Insurance Coverage Immediately

Most insurers can still grant coverage to people who just got diagnosed with cancer. The kind of cancer you have will and it’s stage of progress, of course, have an influence on how many providers are willing to cover you. Getting cancer while undergoing treatment and chemotherapy is next to impossible! So the sooner you look for a life insurance company, the better chances of you getting coverage.

Look For A Specialist

There are providers out there willing to take in that risk. The Web – and the many life insurance portals like this website in it – is one of the most effective ways to locate cancer and life insurance specialists who can grant you the necessary coverage, for a price. Expect premiums to be very expensive. However, even these companies have competition so compare your options very carefully.

Go With An Experienced Life Insurance Broker

Note the use of word ‘Broker’, as life insurance agents have limited offers and won’t be of much help to you. An experienced, independent life insurance broker with the right contacts or affiliations can represent your case effectively and find a provider that can accept you as a customer.

A few things to keep in mind: even after surviving cancer your life insurance rates may still stay expensive, as the risk of re-occurrence is still high. It may take several years for your rates to drop to the average. Living a healthy lifestyle during this time can certainly help you get those affordable life insurance rates sooner.

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