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If you want life insurance and you are a cancer survivor, there are 4 important things that need to be known to determine if you are insurable and what rate you can expect to pay:
1) What type of cancer you had and the date you were diagnosed? If you’ve had Prostate Cancer or Breast Cancer and you need life insurance, you may be insurable as soon as 1 year after treatment has ended for low stage cancers. Leukemia, Cancer of Lymph Nodes and higher stage cancers can cause you to be declined for 5 to 10 years and sometimes longer since treatment has ended.
2) What were the Stage and/or Grade of your cancer? With a copy of your pathology report and answers to a few questions, we can give you estimates on what insurance may cost for you based on your cancer history. At the very least, we will need to know the stage of your cancer to get any accurate insurance estimates.
2) The exact date that all treatments ended. The last day of treatment for cancer is when the waiting period for life insurance starts. So if you’ve had surgical removal of any cancer and chemo and radiation, just remember that the last day of ALL cancer treatments is what life insurance companies are interested in. We’ve had some cases where people qualified for insurance only 6 months after treatment has ended, like for small In Situ Melanomas, but these are the exceptions.
3) Have all cancer follow ups been completely normal with no signs of recurrence? So if you have had any cancer and you want life insurance, you must have had regular check ups following your cancer that have all been completely normal to qualify for coverage. Any abnormalities will most likely cause you to be postponed or declined.
If you have had a past cancer of any kind, Standard or Regular rates are usually going to be the best case rates for which you’ll qualify in the future. For some types of cancer, you may not be able to qualify at all or you may be charged an extra premium for a certain number of years.
Call us or just request a quote and give your email and phone # and we’ll do our best to get you the best life insurance rate possible with regard to your cancer history.
