Life Insurance for Breast Cancer Survivors

Reader’s Question:

I’ve successfully fought and survived my breast cancer. It’s been over a year now and I’m still very much healthy. Do you think I’ll have any problems if I decide to buy life insurance coverage?

Gloria

Tyler, TX

To be quite honest many insurers are still in the dark ages when it comes to offering coverage for breast cancer survivors. This makes it quite difficult to shop for a good breast cancer life insurance policy. However, no one said it was impossible. It just takes some effort and know-how. Here are a few things to keep in mind:

1. Present a Strong Case – Make sure you show prospective insurers medical records and regular check-up results proving that you have been free of the cancer and shows little sign of a relapse. These records can be useful in persuading a life insurer that you are in fact a healthy person and does not present a huge financial risk to them, regardless of your medical history.

2. Get the Help of an Experienced Broker - A good and experienced broker there in Texas who has handled cases like yours in the past can help you a lot in acquiring a life insurance plan at decent rates.

3. Don’t Forget to Compare Rates Effectively – Every insurer calculates life insurance rates differently. Even if you got rejected or were offered absurdly high rates, there are hundreds of other providers out there that are probably willing to bend a little for your business. Run a free life insurance quote check and compare rate offers coming from many different insurers in order to maximize your chances of finding the best life insurance company for you.