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”.

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

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.

Would I still qualify to get life insurance even if I was already diagnosed with cancer here in Texas?

Albert

Amarillo, TX

Although it may be a bit difficult or challenging to get life insurance after being diagnosed with cancer, it is still possible for you to get life insurance coverage there in Texas. The first thing you that you should know is that the type and stage of cancer you may have would greatly influence your eligibility for life insurance coverage. This will also heavily affect how rates you can expect from your policy.

For example, people diagnosed with certain types of skin or prostate cancer in its early stages, with a high success rate for the treatment, may be categorized under the standard life insurance policy and the said illness may not even have significant impact on the policy. Breast cancer, Leukemia and Colon cancer patients life insurance policies might come out completely different and could mean much higher life insurance costs, even rejection of the application of the illness is already terminal.

If you do manage to get a life insurance policy, do review the policy carefully as you may notice some added charges or flat rates due to your illness. Some people may choose to go with Guaranteed Life Insurance Coverage that does not require an individual to undergo extensive medical or physical exams, nor submit their medical history. These kinds of policies tend to have much larger premiums but it maybe your only option if you found yourself unable to acquire life insurance from anyone else.

I am a breast cancer survivor living in New Mexico. Can I still get a life insurance?

Helena

Albuquerque, NM

I’m proud of you, Helena! And I’m pretty sure that getting a life insurance would be a piece of cake for you. After all, you fought with a deadly disease, and you won! There are a number of things that you should do to be able to get the appropriate insurance premium offers that you need.

You will need to acquire all your medical records before applying for a life insurance. Be sure to present your pathology reports, medical records, as well as records of your treatments. Those will provide the insurer a detailed and accurate image of you, your health and your cancer’s history. Keep in mind to have all these records before applying, so as to avoid certain delays in your application.

The more information you present, the better the chance of getting good premiums. Less information could lead your insurers to believe that you’re a high-risk client and therefore offer you high premiums.

As I have said, you need to give the life insurance company all possible medical records. With this in mind, be sure to comply with all the treatment plans laid out by your doctor. So, be certain that you won’t miss any of your check-ups.
Once you’re successfully treated, then you are very likely to obtain a life insurance policy with the best premium offers. I suggest that you check out insurance quotes from different companies there in New Mexico or get free quotes online. Good luck and have a wonderful day.

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.