Is it true that I would never be able to get a life insurance provider here in West Virginia because I was recently diagnosed with cancer?

Gale

Charleston, WV

Not necessarily, who ever told you that you can’t get life insurance coverage because you have been diagnosed with cancer is obviously out of the loop. Admittedly, it is somewhat of a challenge for cancer patients to get life insurance, given the right conditions or with the help of a skilled and experienced life insurance broker there in West Virginia backing you up you will, sooner or later, find someone who will be willing to provide you life insurance coverage.

There are exception of course, the probability of getting approved life insurance coverage would depend on how far the cancer has progressed, what kind of cancer it is (certain types of cancer can be easily treated with minor surgery if caught very early, and would pose very little risk to the patient), and the percentage of recovery from the said disease. It would be virtually impossible for you to be granted life insurance coverage if you are already undergoing cancer treatment so it’s best to be decisive about getting a life insurance policy as quickly as possible.

What you do need to know is that premiums for cancer life insurance coverage are more expensive. Even after successfully undergoing the treatment and managing to kill the cancer cells, you are still considered a “high-risk” customer. There will probably be a bit of a surcharge added on your policy for a year or so, this is just to make sure that the disease would not be coming back, after witch you can expect to pay normal rates again.

My husband was just diagnosed with Prostate cancer, we were lucky enough to discover it in it’s early stages so the doctors here in Ohio are optimistic however, hubby and I are realist and we want to get life insurance for him and also for our kids, what should we know about life insurance for someone who has cancer?

Leisha

Cincinnati, OH

The first thing that you should know is that it would be very difficult to get a life insurance plan once an insurance provider knows that you have cancer. Additionally, it would be next to impossible to be granted life insurance coverage while undergoing cancer treatment. The fact that you and your husband was able to discover his illness early on, and that you are told by the doctors that the chances of a complete recovery are still high, would probably go along way in helping you to get a life insurance company to grant your husband coverage.

Certain forms of cancer are far riskier than others and this would have a big influence on how premiums will be calculated. It is also not advisable to lie that your husband doesn’t have cancer or any illnesses, since in the even that he does succumb to the disease your insurance carrier might refuse to pay you (or whoever your husband’s beneficiaries are) the death benefits.

It would be a good idea to run a life insurance quote check on life insurance portals, like this website, and focus on the companies that advertises the most competitive rates to increase your chances of getting a policy. The services of a knowledgeable and experienced life insurance agent or broker there in Ohio would also be invaluable at this point, since they may be able to negotiate coverage for you, as well as explain to you what to expect on your insurance before and after treatment.

I already know and accept that I have cancer. Fortunately, it is only Stage 1 but I know that it will still command higher rates if I apply for a life insurance policy in Honolulu Hawaii HI. Should I just try to rig it?

Marissa

Honolulu, HI

Allow me to be candid here, Marissa – this is what you should never ever do. Rigging or being dishonest with your life insurance will not help you in any way. It will, in fact, be very heartbreaking for you to find out that your life insurance has been cancelled at a time when you and your family need it most.

Anyway, you are fortunately at Stage 1, like you said, and this brings great promise to you in terms of finding life insurance in Honolulu Hawaii HI. But I might as well tell you know that you will be charged higher premiums than ordinary applicants. Premiums will always vary from one insurer to another because they will have different ways of underwriting certain conditions and so it is but imperative for you to look around and not just be fixated by one insurance company alone. What you need to do is to enter your Honolulu Hawaii zip code on the space provided for you to have multiple quotes. You may want to visit them to discuss in detail your present condition and what the outlook is for you.

Remember to be transparent and truthful all the time, Marissa: insurance companies in Honolulu Hawaii HI tend to err on the conservative side. Their general rule in this case is “When in doubt, don’t!” you do not want to put them in doubt of your actual standing so allow me to use another cliché : “Honesty is the best policy”.

A sad thing happened today, I just learned that I have cancer. But hey, life goes on. Ironically I’ve set an appointment with my insurer next week hoping to get life insurance. Should I even bother?

Arianna

Scranton, PA

Of course you should still go ahead with your appointment, Arianna. Like you said, life goes on and this is a very opportune time than ever to get life insurance. You might also want to get second and third opinion about your illness. But even if you really have cancer, there is still no reason to discontinue with your application for life insurance in Scranton Pennsylvania PA.

In fact, you should make your application process easy by being ready with all the medical information you have, including examinations, pathological records, the treatment that was recommended by your doctor, and anything else that you can provide him with. This will make it easy for your insurer to have a better picture of your condition, lest he assume that your condition is graver than what it actually is. Remember that insurers are trained in risk assessment and management, and will also always be conservatives. This means that if they do not have sufficient information to assess what level of risk you will be, they will always assume the worst, and either charge you with very high premiums, or worst, deny your application.

Speaking of life insurance premiums, insurers around Scranton Pennsylvania PA may assess and evaluate your condition differently so it will be best to shop around for various quotes. To get five different quotes, type in your zip code at the top of this page and answer some questions.

Life does not stop here, Arianna, it goes on. I will want to hear from you in a few months’ time to know how you are coping.

I want to be protected against cancer. What insurance should I get and will my regular health insurance work?

Sally

Athens AL

Health insurance can be helpful whether you are genetically inclined to cancer or not. However, there is what we call life insurance with cancer. This is a more specialized insurance because claims will be granted to policyholders that are diagnosed with cancer.

There are different kinds of cancer policies. The first one is expense occurred policy, which pays for the maximum value stated on the policy that is incurred during treatment. Second is indemnity policy, which is somewhat like the first only that it has a limit for each individual and it may not be at par with the actual expenses. Lastly, there is what we call the first occurrence cancer policy. They pay a lump sum of money ranging from $2,000 t0 $100,000 dollars upon diagnosed with cancer.

Bear in mind that this kind of insurance is not a substitute for a regular health insurance. However, if you want to be insured from this illness, the first thing you need to do is to review your policy. Certain insurance do cover dreaded diseases, which includes cancer, tuberculosis, renal failures and other illnesses identified by your insurance company. Doing this is also one-way to eliminate unnecessary expenses.

Second, if you really have high affinity to the disease, you need to shop around first. Compare the rates between companies. Do also check the benefits because cancer insurance has their limitations. Some examples of limitations are fixed dollar limits, non-coverage for cancer-related illness and many others. These things need to be clarified to avoid disappointments later on. Do also fish for second opinions. It can really help.

Lastly, get the insurance before even you contracted the disease. Life insurance with cancer will only cover expenses incurred upon diagnosis. Therefore, if you already have the diseases, chances are the insurance will be denied.

Can I buy life insurance coverage with cancer?

Jackie

Great question, Jackie.

While most life insurance companies will offer policies to people who are in remission, very few companies dare to cater to people looking for life insurance coverage with cancer. The risk is simply too high, and since life insurance companies generally rate their policies based on things such as life expectancy, it’s very hard to do so when the life expectancy of the person buying the policy is so short.

This, however, doesn’t mean it is impossible, although it may seem that way most of the time. If you have any chance of getting life insurance coverage with cancer at all, then you should look for guaranteed issue and no exam term life insurance policies. You may be able to contact your state department of insurance for some guidance. Know, though, that if you do end up finding a company which will offer you a life insurance policy, then your rates will be extremely high. It may be best to invest your money elsewhere, although you should make this decision based on the quotes you are able to get.

take care,

Fashun

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.

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.

I am breast cancer survivor. My prognosis showed I am in perfect health condition. But to be safe, I want to secure a life insurance as protection for my family. Is there a breast cancer life insurance for survivors like me?

Helen

Seattle WA

It is known that life insurance companies are cautious about accepting individuals with a history of cancer. But good news for you, Helen. With the latest advancement in medical technology for treating cancer, those diagnosed with cancer have very high chance of survival. Breast cancer survivors, in particular, have the same mortality experience as the majority of the population.

With this development, some insurance company offers breast cancer life insurance at standard rates as long as you meet their criteria. If you are a 40 year-old and above woman who have small, well-differentiated, stage 1 breast cancer, and has a positive prognosis for survival based on medical exam results, you can be qualified for a standard rate. Unlike in the past, there’s even no need for you to go through the waiting period of two to five years before you can be considered for life insurance.

If you fail to meet some of the criterias mentioned, do not worry because you will not be right away denied of breast cancer life insurance. The insurance companies might just add extra premium charges depending on your cancer prognosis and your overall health status. Please note that though you have a clean bill from your cancer, you still have to avoid other risk factors that might add to your insurance quote. But if you know how to present your case to insurance companies, you can get considerations and be granted with a good rate life insurance policy.

To help you better in acquiring the best life insurance policy, you should get help from a good insurance breaker Simply check with an insurance broker specializing in cancer cases to help you find the best policy. As I said, insurance companies are now more accepting of breast cancer life insurance application.

I’ve been diagnosed with breast cancer here in North Dakota and I was wondering if I would still qualify for life insurance coverage?

Mayumi

Fargo, ND

It is still possible to get life insurance coverage if you were diagnosed with cancer depending on the type of cancer you have, its progress and whether or not you are already undergoing treatment. Most of the time though you will find it very difficult (or nearly impossible) to convince life insurance providers to give you coverage, while you are actually undergoing medical treatment. Certain type’s breast cancer for example, can be issued a standard life insurance policy with no additional premiums to be paid if you show strong signs of recovery and the said tumor is localized and can be taken cared of by undergoing surgery. (You or your doctor would probably need to submit all the medical and treatment history for evaluation)

You may also find some life insurance providers there in North Dakota that would be willing to provide coverage immediately after treatment, but would have a small premium added on the policy for a few years. This is additional security on the life insurance’s behalf and should be removed once you have shown signs of complete recovery and there would be no danger of the cancer growing back. It usually takes about two or three years of observation for someone who have had cancer treatment to be tagged as cancer-free. Of course it would still be beneficial to shop around and be aware of your options there. Just because you have cancer it doesn’t have mean that one should be over-charged for life insurance.