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.

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 am just wondering if the insurance industry has lifted some of its limitations which used to discourage people with illness in the past. For example, I live in Reading, Pennsylvania, what would be life insurance options for me if I had a serious illness?

Amy

Reading, PA

Hello, Amy! I hope this is a fine day for you, it certainly is for me!

I may sound too biased here but I certainly believe that America has something to offer to all its citizens. And certainly insurance companies in the country (including those in Reading, Pennsylvania), have recognized that to sustain business, it has to cater to the changing needs of the consuming public.

Recent studies show that more and more Americans are contracting life-threatening illnesses over the years, perhaps owing to the change in lifestyle and eating habits. Depending on the type of illness, there are various life insurance packages now offered for customers. But this is not to say that the insurance companies in Reading, Pennsylvania have totally turned their backs on the wisdom of risk management. Still, insurers are conservative and will not take risks that are simply too high for them. For example, someone with terminal cancer may have a really hard time getting life insurance, if at all. This is because the risks are just too high for the insurance companies to take. You have to appreciate that insurance companies have a very high accountability to its policy holders and obviously they will not take on deals wherein they are sure to pay hundreds of thousands of dollars for a policy that was probably bought with just a few thousand dollars. But for diseases that have a high incident of full recovery such as prostate or breast cancer, it will not be too hard to get a life insurance that will cater to their needs.

Just to summarize, Amy, if you are suddenly stricken with a serious illness, you still have life insurance options, made particularly for people with serious illnesses.

I was recently diagnosed with breast cancer. I have actually planned to purchase life insurance this month but with this new development I’m a bit wary to approach insurers. Will there be an insurer who will be willing to sell me a life insurance policy?

Erin

Alameda, CA

I wish that you had given me more information about you and your breast cancer, Erin, so I could have given you a more definite answer. Insurers in Alameda California CA will evaluate you and your condition in differing ways, so you will have to be prepared to talk to more than one insurance company. Similar to any other insurance purchases, it will always be advisable to check the available options you might have. To help you cut the tedious process of looking for an insurer, what you preliminary do is enter your zip code at the top of this page for free quotes. At least you will already have five companies in your hand and you will not tire yourself unnecessarily by calling them one by one or worse, visiting their offices one at a time.

Getting life insurance depends on how far you are with cancer, Erin. As always, insurers in Alameda California CA will evaluate how risky you are and you know that this is always interlinked with your health condition. So if you are already in advanced stages, say Stage 4, you will most probably be declined by most insurance companies because this stage is considered a terminal stage. But if your cancer is only at the early stages, you have a great chance of getting life insurance. Again, always check your options and do not settle with the first company that offers you a deal. Even with cancer you should always make sure that you have compared your options well.

What are my chances to get cancer life insurance here after I had breast cancer?

Gina

North Cleveland, OK

Life insurance companies that offer life insurance for cancer survivors or patients deal differently with various cases of cancer. The first thing these insurers do is to is to know the extent of the cancer case. Life insurance companies in North Cleveland and other places for that matter, ask a lot of questions on the cancer patient. Questions would be relative to some verification process: what kind of tumor there is, when the illness occurred, what stage is the breast cancer, the treatment done so far and what is the current situation. Life insurance companies that offer coverage for those with cancer would usually require you to fill out questionnaires and would verify from the attending physician. With this information, these companies will then have various quotes but they would most likely provide life insurance when the patient received treatment.

If you received treatment during stage 1 of your breast cancer, you have high chances of getting life insurance in North Cleveland, OK. But just like any life insurance with health problems, you might need to pay relatively higher premiums than the conventional life insurance policies. These high premiums will be due any applicant who had treatment for about 5 years past already, perhaps during stages 1-2 of the cancer. If it is already beyond 5 years, there is a chance that you get to pay normal premiums. If the cancer case is at stage 4, life insurance companies would normally decline the life insurance application as this is deemed to be terminal case.

I am a cancer survivor and it has been three years ago since I was diagnosed with ovarian cancer in Boise, Idaho ID. Thanks to today’s medical advances for I feel great, without any traces I ever had that in the past…will I be eligible for life insurance though despite this history of cancer?

Eunice

Boise, ID

Once upon a time you would be a medical miracle, but now, almost all forms of cancer are treatable. That’s really amazing, and so would be the companies which offer life insurance to those with history of cancer.

Thanks to the advanced medical technology which life insurance companies respect and acknowledge that cancer is now curable. Given you pass specific requirements and under certain situations I am happy to inform you that most life insurance carriers in Boise, Idaho ID now offer policies to cancer survivors.

So you can start asking how, try to contact a life insurance agent in your are who will be more than happy to assist you. The agent will then seek preliminary proposals for coverage from several life insurance companies in Idaho. All carriers will have differing standards for consideration especially for special cases like yours. You can have your physician review these standards for validity too.

Your life insurance agent could provide you needed information on this type of life insurance. You might also be required to provide substantial medical information and expect that your physician will be interviewed by the life insurance carrier. All you have to do is to substantiate your care and progress. The life insurance company will be familiar with your treatment and medications and will soon verify if you are progressing as well as it sounds to check if you are eligible for coverage.

My mom at 40’s got lung cancer and after several expensive treatments, she seemed ok now. What are the chances that she can have life insurance?

Michael

Cleveland, OH

Hello Michael

I’m glad that your mom is ok now. Hope you are all doing great with her back on her toes. Anyway, to answer your question, let me shed you a little fact about how life insurance companies view lung cancer. Don’t worry, their perception is more or less from medical basis. Lung cancer is actually one of the most aggressive among many kinds of cancers. I’m just glad that your mom had early diagnosis of the illness so there was early treatment given as well. However, lung cancer has just about 6% survival rate and your mom and your family could have received a miracle. But to get life insurance would be already difficult. This is not to keep your hopes on life insurance but it would still be worthwhile if you ask quotations or verification from life insurance companies in Cleveland OH. Get in contact with at least 3 or even until you get a conclusion that life insurance companies in Cleveland Ohio OH does not accept surviving lung cancer patient.

The reason why I want you to make your own research is because life insurance companies do have different underwriting decision with cancer patients. Most especially if your mom seemed to be healed already. Perhaps out of ten life insurance companies in Cleveland, there may be 1 or more of them who have products that will fit your mom’s condition. Just be warned though that you may pay high premiums for your mom’s case.