Life Insurance Cancer Survivors offers many options to you when you are healthy and options offered by this insurance industry to those with health conditions is limited and few, but good news is there are still few options, so lets focus on brighter side of hope and try to find a Life Insurance product match to your need.
Buying life insurance for cancer patients is challenging, but not necessarily impossible.
If you are a cancer patient and you are currently employed and have you actively and continuously participated in the duties of your regular occupation on a full time basis (at least 20 hours per week) for the past 6 months you may be able to qualify for a life insurance policy.
Companies that do insure cancer, or ex-cancer patients will normally accept a policy holder if they had prostate, breast cancer (usually only stage one) or testicular cancer. They may also accept clients who had a cancer that was caught, and treated at an early stage.
Insurance companies that do provide Insurance for those recovering from cancer will normally require the following:
- You must have gone for more than a specific period since your last cancer treatment (this can be as much as 5 years, but varies from company to company).
- You must be medically diagnosed as cured, or in remission.
- You must have medical evidence (a certificate from your medical advisor) of your continued good health.
Even with the above conditions met, most life insurance companies will charge you a greater premium than that offered to the general public.
Life insurance shoppers with heart disease, cancer, diabetes and other common ailments, take heart. There are strategies that you can employ to obtain life insurance coverage, often at a great price, but a good outcome requires that you properly shop the market or have a good agent do so for you.
Mintco Financial Team of Independent Advisors can shop for you the best quote.
Or apply now!