LIFE INSURANCE FOR CANCER PATIENTS

Written by Danny Ray

Quick Tip: To Compare Top Rates fill out the instant life insurance quote form on the left!

Life Insurance for Cancer Survivors

Cancer patients usually have to face a unique set of challenges to get life insurance coverage…

Can I get life insurance if I have cancer?

To emphasize, getting coverage for cancer patients is possible to obtain.  However, it shouldn’t discourage you from buying life insurance.  Again, no matter your pre-existing medical conditions, everyone has the right to life insurance, regardless of the type of cancer.  Above all, whether you smoke cigars or looking for life insurance for smokers, the surgeon general states that smoking causes some cancers.

All in all, most people understand why life insurance after cancer is so important. Whether it is a term life insurance policy or a whole life policy — it’s the best way to ensure that those you care about are financially secure after you pass. All in all, providing a death benefit!! In fact, the good news is, there are always options for those seeking cheap life insurance. For example, getting an affordable burial policy might be your only option. However, life insurance for terminally ill cancer patients may only have a choice of guaranteed life insurance for cancer patients.

In general, if you have been cancer free and in good health for more than five years, then you may be able to get an affordable life insurance policy such as a 20-year term.



Life Insurance and Cancer – Medical Underwriting

What is important?

After a cancer diagnosis, in particular, one of the reasons it’s so important for people to compare multiple life insurance companies is how much the medical underwriting vary from company to company. In fact, this means, in turn, that the prices will also vary for your life insurance policies, so it’s useful to compare rates before choosing a plan. For this reason, this can potentially save you a lot of your premiums.

Life Insurance cancer

Life Insurance for Cancer Patients

As a patient, with regards to life insurance and cancer,  you will need to answer several questions about your condition. It’s best if you go in informed and prepared to answer them. We’ll list some potential questions below:

  • Does this disease run in your family?
  • Have you received any cancer treatment?
  • What kind of cancer?  (Such as lung cancer, thyroid cancer, colon cancer etc. )
  • How long ago diagnosed?
  • What’s your current condition? Treatment Plan?

When applying for life insurance remember, it’s always best, to be honest, and answer each question as thoroughly as possible. Underwriting will request all medical records along with an accurately completed application.  The more likely you are to being accepted by an insurance company. However, having this awful disease and having multiple sclerosis will likely be a decline. Keep in mind, after filling out the application the waiting periods may feel like they take forever.  Be Patient!  All of this will pay off in the end with the best life insurance coverage for you and your family. 


CAN YOU GET LIFE INSURANCE IF YOU HAVE CANCER

Can you get life insurance if you have cancer?  The kind of cancer you have/had is extremely relevant when you apply for term life insurance.  When life threatening, the harder it is to get insured. Leukemia, for example, may have a lot of trouble getting accepted. However, a guaranteed issue life insurance will accept anyone.

To get the best life insurance coverage. What to know!

However, there are things you can do. For one, you can get much lower life insurance rates if you wait until a few years after your last treatment before going to apply. This way, insurance companies will be able to see that your condition hasn’t worsened or reappeared.

You always want to make sure that you are working with the several of the best types of life insurance companies, such as Banner Life. As we mentioned earlier, each insurance company will have different medical underwritings.   However, there are some general ratings that must follow, at least loosely. It would be difficult for  patients to get above a standard rating unless their illness was non-melanoma skin cancer. For most other types of cancer, a standard rating is most likely the best possible rating. Consulting with your independent agent will help narrow down your insurance options. 


Most Common Cancer Diagnosis For Men and Women

What is equally important then where can I get life insurance with cancer, is the waiting period and factors that will determine the rate. For instance, life insurance for ex cancer patients will vary depending on the type of cancer, stage, and whether or not the cancer spread. 

In addition, cancer varies for both men and women. The table below will show the top 5 cancer diagnosis for men and women. Together with the waiting period and stage we will determine the amount of time it will take before you even can get a traditional term life policy. 

Top 5 Cancer Diagnoses For Women Looking For Life Insurance

Cancer Diagnosis

Waiting Period

Stage and factors

Breast Cancer

Usually 1 year for a flat extra per $1000, after 5 years then Standard possible

Really comes down to what stage and treatment, lumpectomy/Radiation & Chemo

Lung Cancer

At least 3 to 5 years, Flat extra per $1000 will apply,Standard After 5 Years Possible 

Stage 1 will be considered after 3 years, Stage 2 5 years or more

Colorectal (colon) cancer

At least 1 year to 5 years, Flat extra per $1000 may apply, standard after 5 years possible

ALl depends on the stage, stage 1 clients can get standard rates depending on treatment

Uterine Cancer

At Least 2 to 5 years, Flat Extra Per $1000 May Apply, Standard After 5 Years Possible

Stage 2 or lower depending on treatment within 2 years

Ovarian Cancer

At least 1 to 5 years,  Flat Extra Per $1000 May Apply, Standard After 5 Years Possible

All depends on the stage and treatment and if the cancer had spread.

Top 5 Cancer Diagnoses For Men Looking For Life Insurance

Cancer Diagnosis

Waiting Period

Stage and factors

Prostate Cancer

Usually 6 months to 1 year,  a flat extra per $1000 May Apply, after 1 year then Standard possible

Really comes down to what stage and treatment, lumpectomy/Radiation & Chemo, Stage 1-2 6 months

Lung Cancer

At least 3 to 5 years, Flat extra per $1000 will apply,Standard After 5 Years Possible 

Stage 1 will be considered after 3 years, Stage 2 5 years or more

Colorectal (colon) cancer

At least 1 year to 5 years, Flat extra per $1000 may apply, standard after 5 years possible

All depends on the stage, stage 1 clients can get standard rates depending on treatment

Bladder

At Least 1 to 3 years, Flat Extra Per $1000 May Apply, Standard After 5 Years Possible

Stage 2 or lower depending on treatment within 2 years, 3 or higher 5+ years

Testical Cancer

At least 6 months to 5 years,  Flat Extra Per $1000 May Apply, Standard After 5 Years Possible

All depends on the stage and treatment and if the cancer had spread.


LIFE INSURANCE WITH CANCER:  HOW CAN I GET BETTER LIFE INSURANCE RATES

Quit Smoking!!!

If diagnosed, you’ll likely be considered a high risk applicant by the life insurance companies. This means you’ll need to pay significantly higher premiums. However, there are many things you can do to lower your rates. We’ll list a few things that can have a significant impact on your insurance rates:

  • Quit all tobacco products — Life insurance for smokers usually pay 2 to 3 times more for life insurance! So quit smoking!
  • Eat healthier
  • Exercise frequently
  • Anything else that improves your overall health
  • Don’t have a DUI or reckless driving on your record.
  • Life insurance and cancer

    Life Insurance For Cancer Patients

    The healthier you seem, the more likely a life insurance company will want to insure you. Furthermore, even if your looking for life insurance in your 30’s or life insurance over 50, you will be considered a special risk because of cancer history.

    High-risk disease: When diagnosed with a high risk disease, you’ll also be requested to answer a range of questions that pertain to the specific disease. By way of instance, when it comes to life insurance with cancer,  then an insurance provider may ask the following:

    • When diagnosed?
    • If in remission, the length of time?
    • What drugs are you taking?
    • Do you have any other pre-existing medical problems?
    • What has been the consequence of any additional medical follow-ups?

    Best Life Insurance For Cancer Patients

    Can you get life insurance if you have cancer?  During Treatment?

    The answer is yes! Even if you are in the process of treatment there are policies available to you. In fact, during Chemotherapy and/or radiation treatment you can get a guaranteed life insurance for cancer patients. Yes you heard that right. The best coverage during cancer treatment would be with AIG or Gerber Life. These carriers will both have a graded period of 2 years and a maximum of $25,000. This would at the very least provide burial insurance for cancer patients. 

    Above all, these policies will refund 100% of the premiums the first two years plus 10% so you won't have to worry about a terminal cancer life insurance payout. So life insurance for breast cancer survivors will be able to get more than a guaranteed issue policy if in remission after 5 years from last treatment. See, Above. 

    This is usually the best avenue to achieve life insurance for terminally ill cancer patients. 


    CAN YOU GET LIFE INSURANCE IF YOU HAVE CANCER

    With over 200 kinds of cancer, it is among the most common ailments we pay serious illness, and most people can relate to this illness, either personally or utilizing a friend or family member.

    Due to the unfortunate likelihood that you might at some stage be affected,  it could be a fantastic idea to defend you and your family’s financial security. You can do this by taking out a life insurance policy with critical illness insurance cover. In addition to this awful illness, we also cover against HIV, some heart conditions and a range of other illnesses.

    If covered by Critical Illness, then it’s very good to learn your pay-out will cover any extra costs from the impact of your diagnosed ailment.


    DOES LIFE INSURANCE COVER CANCER,  WILL I BE INSURED 

    Cancer and life insurance

    Life Insurance and Cancer patients

    In the event that, or If diagnosed, many people ask does life insurance cover cancer? Furthermore, if you’re in partial or complete remission, getting life insurance and critical illness coverage is possible but won’t be guaranteed. It’s possible that the cost will increase or specific medical requirements excluded from protection. The best method to find out if getting life insurance, is by finishing a quote with us. Regardless of your situation with cancer, maintaining a nice and balanced lifestyle while avoiding alcohol or smokingwill put you in the best possible location health wise.Finally, remember it is important that you answer questions about your health and medical history correctly and honestly — if you don’t, it might invalidate your policy.


    LIFE INSURANCE WITH CANCER HISTORY

    What is your family history?

    First, documentation of certain types of cancer include hereditary links, however complete only a tiny proportion of cancers have a genetically inherited link.

    Furthermore, upon discovery that you have inherited a faulty gene which increases your risk, “predictive genetic testing” could be carried out. Then, these evaluations will help to show if you’ve got a high risk of developing this awful disease.

    In case you’ve got a high incidence of this illness in your family or genetic testing has revealed that you have an increased risk of developing cancer, will leave your premiums impacted. This greater danger however also suggests that investing in life insurance and critical illness coverage may be a sensible decision should the worst happen. To repeat, life insurance with cancer history is obtainable.

    So, when it comes to life insurance with cancer history,  most companies will want to know if any of your parents or siblings has died,  or if diagnosed before the age of 60.


    can you get life insurance after cancer

    I have Cancer can I get Life Insurance

    Life Insurance and Cancer

    YES!! But it depends...

    First thing to remember is that the MIB provides reports on nearly three million patients. Oncologists, physicians and clinical research across the USA submit reports to the database, in which nameless patients assigned a few. Second, Insurance companies then get the information for underwriting purposes. In addition, Insurers can review patient demographics, morphology, diagnosis phases, first-course therapies, tumor locations and followup processes.

    It’s unusual if an insurer delivers a policy to someone who’s still undergoing treatment. If they have a good prognosis, they may become eligible for a policy. Life insurance companies frequently examine medical records and physician’s reports for breast cancer survivors seven years following a finished treatment. In case the prognosis is good, the individual can request a re-evaluation and lower premiums.

    Most survivors who apply for life insurance do so after five decades of being cancer-free.

    When it comes to life insurance for seniors with cancer, Insurance companies with strict underwriting rules will probably need to determine that an applicant has been cancer free for at least 24 months. They may also want to confirm that the applicant lives a very healthy lifestyle


    LIfe insurance for CANCER PATIENTS IN REMISSION 

    PinnacleQuote is here for you!!!

    Above all, If you have had cancer and are in remission,  contact your independent insurance agent.  First thing to remember, be honest and as accurate as possible with your medical history.  We WILL guide you as to the best carrier and best price!    In this case, let’s take a look at some statistics here in the United States over a period of time regarding this awful disease.

    Cancer Patients

    Cancer Statistics and Life Insurance


    PinnacleQuote's Simple Process

    At PinnacleQuote we are not in the business of selling. We are actually against that. We like to educate our clients and provide them with the best options. In Fact, we based those options on the specific profile of the client. So we tailor make you a

    life insurance policy.


    INSURANCE RATINGS aND LIFE INSURANCE POLICY FOR CANCER PATIENTS  

    Understanding Ratings

    The point often overlooked, is that life insurance policy for cancer patients, the coverage and price you receive will hinge on the curability of your cancer. Specifically, certain sorts of non-melanoma skin cancer, for instance, are thought to be very low risk by life insurance companies, along with a skin cancer background might not affect premiums at all.

    Life insurance firms use these courses to determine your premium:

    • Super Preferred (also known as Preferred Plus)
    • Preferred
    • Standard
    • Substandard

    There are usually ranges within these classes, also, for example, “Standard Plus.”

    Again, based on your type of illness, the life insurance might incorporate a surcharge, also referred to as a temporary flat additional. In the event that this happens, it is due to the risk involved with cancer survivors in the first few years of remission. 

    With this in mind, applicants with common and treatable types of breast, prostate, thyroid and esophageal cancer may be able to get a more “standard” score under perfect circumstances.

    In particular,  individuals with a history of leukemia or colon cancer may fall to a “substandard” or “high substandard” score at best, or receive declines. For instance, anyone with cancer which has metastasized likely will not be able to acquire a policy.

    Therefore, most insurance companies will not offer a policy to someone who is still undergoing treatment.

    In the event that you cannot find a life insurance coverage on your own, you may have the ability to get life insurance through your employer at a “group” rate.


    HEALTH IMPAIRMENT/ RISK SPECIALISTS

    Furthermore, while some dedicated life insurance agents can shop the insurance market to locate the best rates and best carriers that is affordable, some agents specialize in locating life insurance for people considered “impaired risks.” We specialize in getting our clients life insurance with impaired health!!

    These agents are…..PinnacleQuote agents!!

    Call Us Today To Go Over Your Options 855-380-3300



    SHOULD I HIRE AN INDEPENDENT INSURANCE AGENT

    YES!!!

    Above all, hiring an independent insurance agent can be an excellent investment. For instance, A well-informed and experienced agent will know just where to look, given your condition, and finding life insurance at the lowest rates. For this reason, even if you have treated high blood pressure and high cholesterol, you can still get preferred rates. In fact, life insurance for diabetics, as long as the A1C is under 7, then standard rates would be attainable.

    What to remember before carriers issue policies...

    It's important to realize, independent insurance agents usually have a good understanding of different companies’ medical underwritings. This way, you’re more likely to find an insurance company that tends to be more lenient towards people of your risk, thereby giving you a better chance of being accepted, and a better chance at finding a cheaper policy. Last, even with cancer, life insurance will vary by age. However, life insurance for seniors over 75 years of age will be very expensive if under 10 years since last treatment.


    LIFE INSURANCE FOR CANCER PATIENTS VIDEO


    WHERE CAN I GET THE BEST QUOTE FOR LIFE INSURANCE 

    My name is Danny Ray.  I am the Owner/Agent of PinnacleQuote.  We are located in Jacksonville, Florida.  If you have any questions, please feel free to contact us at PinnacleQuote (855)380-3300.   M-F 9am-9pm EST.  Sat/Sun by appointments.  We are available until Midnight for our West Coast Clients!

    We are the superior life insurance agents in Jacksonville, FL!  

    Not only do I have expertise in life insurance for cancer patients, I am a seasoned agent on every level of life insurance.  Any question you have, is a good question.  I am here for YOU!

    Term Life Insurance

    Danny Ray ~Founder/Owner of PinnacleQuote

    Working with us will save you a tremendous amount of time, energy, and money. GUARANTEED!!!

    For more information on healthy eating for cancer patients CLICK HERE

    American Cancer Society

    The American Cancer Society helpline: (800) 227 2345.  For More information CLICK HERE

    Danny Ray & Lisamarie Monaco Contributed To This Article
    Danny Ray & Lisamarie Monaco Contributed To This Article

    Quick Tip: To Compare Top Rates fill out the instant life insurance quote form on the left!

    Life Insurance for Cancer Survivors

    Cancer patients usually have to face a unique set of challenges to get life insurance coverage…

    Can I get life insurance if I have cancer?

    To emphasize, getting coverage for cancer patients is possible to obtain.  However, it shouldn’t discourage you from buying life insurance.  Again, no matter your pre-existing medical conditions, everyone has the right to life insurance, regardless of the type of cancer.  Above all, whether you smoke cigars or looking for life insurance for smokers, the surgeon general states that smoking causes some cancers.

    All in all, most people understand why life insurance after cancer is so important. Whether it is a term life insurance policy or a whole life policy — it’s the best way to ensure that those you care about are financially secure after you pass. All in all, providing a death benefit!! In fact, the good news is, there are always options for those seeking cheap life insurance. For example, getting an affordable burial policy might be your only option. However, life insurance for terminally ill cancer patients may only have a choice of guaranteed life insurance for cancer patients.

    In general, if you have been cancer free and in good health for more than five years, then you may be able to get an affordable life insurance policy such as a 20-year term.



    Life Insurance and Cancer – Medical Underwriting

    What is important?

    After a cancer diagnosis, in particular, one of the reasons it’s so important for people to compare multiple life insurance companies is how much the medical underwriting vary from company to company. In fact, this means, in turn, that the prices will also vary for your life insurance policies, so it’s useful to compare rates before choosing a plan. For this reason, this can potentially save you a lot of your premiums.

    Life Insurance cancer

    Life Insurance for Cancer Patients

    As a patient, with regards to life insurance and cancer,  you will need to answer several questions about your condition. It’s best if you go in informed and prepared to answer them. We’ll list some potential questions below:

    • Does this disease run in your family?
    • Have you received any cancer treatment?
    • What kind of cancer?  (Such as lung cancer, thyroid cancer, colon cancer etc. )
    • How long ago diagnosed?
    • What’s your current condition? Treatment Plan?

    When applying for life insurance remember, it’s always best, to be honest, and answer each question as thoroughly as possible. Underwriting will request all medical records along with an accurately completed application.  The more likely you are to being accepted by an insurance company. However, having this awful disease and having multiple sclerosis will likely be a decline. Keep in mind, after filling out the application the waiting periods may feel like they take forever.  Be Patient!  All of this will pay off in the end with the best life insurance coverage for you and your family. 


    CAN YOU GET LIFE INSURANCE IF YOU HAVE CANCER

    Can you get life insurance if you have cancer?  The kind of cancer you have/had is extremely relevant when you apply for term life insurance.  When life threatening, the harder it is to get insured. Leukemia, for example, may have a lot of trouble getting accepted. However, a guaranteed issue life insurance will accept anyone.

    To get the best life insurance coverage. What to know!

    However, there are things you can do. For one, you can get much lower life insurance rates if you wait until a few years after your last treatment before going to apply. This way, insurance companies will be able to see that your condition hasn’t worsened or reappeared.

    You always want to make sure that you are working with the several of the best types of life insurance companies, such as Banner Life. As we mentioned earlier, each insurance company will have different medical underwritings.   However, there are some general ratings that must follow, at least loosely. It would be difficult for  patients to get above a standard rating unless their illness was non-melanoma skin cancer. For most other types of cancer, a standard rating is most likely the best possible rating. Consulting with your independent agent will help narrow down your insurance options. 


    Most Common Cancer Diagnosis For Men and Women

    What is equally important then where can I get life insurance with cancer, is the waiting period and factors that will determine the rate. For instance, life insurance for ex cancer patients will vary depending on the type of cancer, stage, and whether or not the cancer spread. 

    In addition, cancer varies for both men and women. The table below will show the top 5 cancer diagnosis for men and women. Together with the waiting period and stage we will determine the amount of time it will take before you even can get a traditional term life policy. 

    Top 5 Cancer Diagnoses For Women Looking For Life Insurance

    Cancer Diagnosis

    Waiting Period

    Stage and factors

    Breast Cancer

    Usually 1 year for a flat extra per $1000, after 5 years then Standard possible

    Really comes down to what stage and treatment, lumpectomy/Radiation & Chemo

    Lung Cancer

    At least 3 to 5 years, Flat extra per $1000 will apply,Standard After 5 Years Possible 

    Stage 1 will be considered after 3 years, Stage 2 5 years or more

    Colorectal (colon) cancer

    At least 1 year to 5 years, Flat extra per $1000 may apply, standard after 5 years possible

    ALl depends on the stage, stage 1 clients can get standard rates depending on treatment

    Uterine Cancer

    At Least 2 to 5 years, Flat Extra Per $1000 May Apply, Standard After 5 Years Possible

    Stage 2 or lower depending on treatment within 2 years

    Ovarian Cancer

    At least 1 to 5 years,  Flat Extra Per $1000 May Apply, Standard After 5 Years Possible

    All depends on the stage and treatment and if the cancer had spread.

    Top 5 Cancer Diagnoses For Men Looking For Life Insurance

    Cancer Diagnosis

    Waiting Period

    Stage and factors

    Prostate Cancer

    Usually 6 months to 1 year,  a flat extra per $1000 May Apply, after 1 year then Standard possible

    Really comes down to what stage and treatment, lumpectomy/Radiation & Chemo, Stage 1-2 6 months

    Lung Cancer

    At least 3 to 5 years, Flat extra per $1000 will apply,Standard After 5 Years Possible 

    Stage 1 will be considered after 3 years, Stage 2 5 years or more

    Colorectal (colon) cancer

    At least 1 year to 5 years, Flat extra per $1000 may apply, standard after 5 years possible

    All depends on the stage, stage 1 clients can get standard rates depending on treatment

    Bladder

    At Least 1 to 3 years, Flat Extra Per $1000 May Apply, Standard After 5 Years Possible

    Stage 2 or lower depending on treatment within 2 years, 3 or higher 5+ years

    Testical Cancer

    At least 6 months to 5 years,  Flat Extra Per $1000 May Apply, Standard After 5 Years Possible

    All depends on the stage and treatment and if the cancer had spread.


    LIFE INSURANCE WITH CANCER:  HOW CAN I GET BETTER LIFE INSURANCE RATES

    Quit Smoking!!!

    If diagnosed, you’ll likely be considered a high risk applicant by the life insurance companies. This means you’ll need to pay significantly higher premiums. However, there are many things you can do to lower your rates. We’ll list a few things that can have a significant impact on your insurance rates:

  • Quit all tobacco products — Life insurance for smokers usually pay 2 to 3 times more for life insurance! So quit smoking!
  • Eat healthier
  • Exercise frequently
  • Anything else that improves your overall health
  • Don’t have a DUI or reckless driving on your record.
  • Life insurance and cancer

    Life Insurance For Cancer Patients

    The healthier you seem, the more likely a life insurance company will want to insure you. Furthermore, even if your looking for life insurance in your 30’s or life insurance over 50, you will be considered a special risk because of cancer history.

    High-risk disease: When diagnosed with a high risk disease, you’ll also be requested to answer a range of questions that pertain to the specific disease. By way of instance, when it comes to life insurance with cancer,  then an insurance provider may ask the following:

    • When diagnosed?
    • If in remission, the length of time?
    • What drugs are you taking?
    • Do you have any other pre-existing medical problems?
    • What has been the consequence of any additional medical follow-ups?

    Best Life Insurance For Cancer Patients

    Can you get life insurance if you have cancer?  During Treatment?

    The answer is yes! Even if you are in the process of treatment there are policies available to you. In fact, during Chemotherapy and/or radiation treatment you can get a guaranteed life insurance for cancer patients. Yes you heard that right. The best coverage during cancer treatment would be with AIG or Gerber Life. These carriers will both have a graded period of 2 years and a maximum of $25,000. This would at the very least provide burial insurance for cancer patients. 

    Above all, these policies will refund 100% of the premiums the first two years plus 10% so you won't have to worry about a terminal cancer life insurance payout. So life insurance for breast cancer survivors will be able to get more than a guaranteed issue policy if in remission after 5 years from last treatment. See, Above. 

    This is usually the best avenue to achieve life insurance for terminally ill cancer patients. 


    CAN YOU GET LIFE INSURANCE IF YOU HAVE CANCER

    With over 200 kinds of cancer, it is among the most common ailments we pay serious illness, and most people can relate to this illness, either personally or utilizing a friend or family member.

    Due to the unfortunate likelihood that you might at some stage be affected,  it could be a fantastic idea to defend you and your family’s financial security. You can do this by taking out a life insurance policy with critical illness insurance cover. In addition to this awful illness, we also cover against HIV, some heart conditions and a range of other illnesses.

    If covered by Critical Illness, then it’s very good to learn your pay-out will cover any extra costs from the impact of your diagnosed ailment.


    DOES LIFE INSURANCE COVER CANCER,  WILL I BE INSURED 

    Cancer and life insurance

    Life Insurance and Cancer patients

    In the event that, or If diagnosed, many people ask does life insurance cover cancer? Furthermore, if you’re in partial or complete remission, getting life insurance and critical illness coverage is possible but won’t be guaranteed. It’s possible that the cost will increase or specific medical requirements excluded from protection. The best method to find out if getting life insurance, is by finishing a quote with us. Regardless of your situation with cancer, maintaining a nice and balanced lifestyle while avoiding alcohol or smokingwill put you in the best possible location health wise.Finally, remember it is important that you answer questions about your health and medical history correctly and honestly — if you don’t, it might invalidate your policy.


    LIFE INSURANCE WITH CANCER HISTORY

    What is your family history?

    First, documentation of certain types of cancer include hereditary links, however complete only a tiny proportion of cancers have a genetically inherited link.

    Furthermore, upon discovery that you have inherited a faulty gene which increases your risk, “predictive genetic testing” could be carried out. Then, these evaluations will help to show if you’ve got a high risk of developing this awful disease.

    In case you’ve got a high incidence of this illness in your family or genetic testing has revealed that you have an increased risk of developing cancer, will leave your premiums impacted. This greater danger however also suggests that investing in life insurance and critical illness coverage may be a sensible decision should the worst happen. To repeat, life insurance with cancer history is obtainable.

    So, when it comes to life insurance with cancer history,  most companies will want to know if any of your parents or siblings has died,  or if diagnosed before the age of 60.


    can you get life insurance after cancer

    I have Cancer can I get Life Insurance

    Life Insurance and Cancer

    YES!! But it depends...

    First thing to remember is that the MIB provides reports on nearly three million patients. Oncologists, physicians and clinical research across the USA submit reports to the database, in which nameless patients assigned a few. Second, Insurance companies then get the information for underwriting purposes. In addition, Insurers can review patient demographics, morphology, diagnosis phases, first-course therapies, tumor locations and followup processes.

    It’s unusual if an insurer delivers a policy to someone who’s still undergoing treatment. If they have a good prognosis, they may become eligible for a policy. Life insurance companies frequently examine medical records and physician’s reports for breast cancer survivors seven years following a finished treatment. In case the prognosis is good, the individual can request a re-evaluation and lower premiums.

    Most survivors who apply for life insurance do so after five decades of being cancer-free.

    When it comes to life insurance for seniors with cancer, Insurance companies with strict underwriting rules will probably need to determine that an applicant has been cancer free for at least 24 months. They may also want to confirm that the applicant lives a very healthy lifestyle


    LIfe insurance for CANCER PATIENTS IN REMISSION 

    PinnacleQuote is here for you!!!

    Above all, If you have had cancer and are in remission,  contact your independent insurance agent.  First thing to remember, be honest and as accurate as possible with your medical history.  We WILL guide you as to the best carrier and best price!    In this case, let’s take a look at some statistics here in the United States over a period of time regarding this awful disease.

    Cancer Patients

    Cancer Statistics and Life Insurance


    PinnacleQuote's Simple Process

    At PinnacleQuote we are not in the business of selling. We are actually against that. We like to educate our clients and provide them with the best options. In Fact, we based those options on the specific profile of the client. So we tailor make you a

    life insurance policy.


    INSURANCE RATINGS aND LIFE INSURANCE POLICY FOR CANCER PATIENTS  

    Understanding Ratings

    The point often overlooked, is that life insurance policy for cancer patients, the coverage and price you receive will hinge on the curability of your cancer. Specifically, certain sorts of non-melanoma skin cancer, for instance, are thought to be very low risk by life insurance companies, along with a skin cancer background might not affect premiums at all.

    Life insurance firms use these courses to determine your premium:

    • Super Preferred (also known as Preferred Plus)
    • Preferred
    • Standard
    • Substandard

    There are usually ranges within these classes, also, for example, “Standard Plus.”

    Again, based on your type of illness, the life insurance might incorporate a surcharge, also referred to as a temporary flat additional. In the event that this happens, it is due to the risk involved with cancer survivors in the first few years of remission. 

    With this in mind, applicants with common and treatable types of breast, prostate, thyroid and esophageal cancer may be able to get a more “standard” score under perfect circumstances.

    In particular,  individuals with a history of leukemia or colon cancer may fall to a “substandard” or “high substandard” score at best, or receive declines. For instance, anyone with cancer which has metastasized likely will not be able to acquire a policy.

    Therefore, most insurance companies will not offer a policy to someone who is still undergoing treatment.

    In the event that you cannot find a life insurance coverage on your own, you may have the ability to get life insurance through your employer at a “group” rate.


    HEALTH IMPAIRMENT/ RISK SPECIALISTS

    Furthermore, while some dedicated life insurance agents can shop the insurance market to locate the best rates and best carriers that is affordable, some agents specialize in locating life insurance for people considered “impaired risks.” We specialize in getting our clients life insurance with impaired health!!

    These agents are…..PinnacleQuote agents!!

    Call Us Today To Go Over Your Options 855-380-3300



    SHOULD I HIRE AN INDEPENDENT INSURANCE AGENT

    YES!!!

    Above all, hiring an independent insurance agent can be an excellent investment. For instance, A well-informed and experienced agent will know just where to look, given your condition, and finding life insurance at the lowest rates. For this reason, even if you have treated high blood pressure and high cholesterol, you can still get preferred rates. In fact, life insurance for diabetics, as long as the A1C is under 7, then standard rates would be attainable.

    What to remember before carriers issue policies...

    It's important to realize, independent insurance agents usually have a good understanding of different companies’ medical underwritings. This way, you’re more likely to find an insurance company that tends to be more lenient towards people of your risk, thereby giving you a better chance of being accepted, and a better chance at finding a cheaper policy. Last, even with cancer, life insurance will vary by age. However, life insurance for seniors over 75 years of age will be very expensive if under 10 years since last treatment.


    LIFE INSURANCE FOR CANCER PATIENTS VIDEO


    WHERE CAN I GET THE BEST QUOTE FOR LIFE INSURANCE 

    My name is Danny Ray.  I am the Owner/Agent of PinnacleQuote.  We are located in Jacksonville, Florida.  If you have any questions, please feel free to contact us at PinnacleQuote (855)380-3300.   M-F 9am-9pm EST.  Sat/Sun by appointments.  We are available until Midnight for our West Coast Clients!

    We are the superior life insurance agents in Jacksonville, FL!  

    Not only do I have expertise in life insurance for cancer patients, I am a seasoned agent on every level of life insurance.  Any question you have, is a good question.  I am here for YOU!

    Term Life Insurance

    Danny Ray ~Founder/Owner of PinnacleQuote

    Working with us will save you a tremendous amount of time, energy, and money. GUARANTEED!!!

    For more information on healthy eating for cancer patients CLICK HERE

    American Cancer Society

    The American Cancer Society helpline: (800) 227 2345.  For More information CLICK HERE

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