Since 1969 we have been helping cancer survivors find the best cancer life insurance rates and products available.
Our service is free and we have access to more life insurance companies than any life insurance agencies, brokers or websites.
Just make a quote request using the quoting tool to the right to see some of the hundred’s of different insurance companies we can offer you.
We can beat any offer you’ve been given by any agent, broker or website because of our unique process and because we can easily shop your medical records to underwriters at every insurance company.
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 cancer life insurance 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 right after treatment has ended or in the first 6 to 12 months after treatment for low stage cancers. Leukemia, Cancer of Lymph Nodes and higher stage cancers can cause you to be postponed or 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 exact stage of your cancer including the T, N and M categories 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 or sooner 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.
There are some very aggressive cancer life insurance companies that will offer preferred rates to some low stage cancer’s including in situ colon cancer, kidney cancer, melanoma, prostate cancer, thyroid cancer, testicular cancer, uterine cancer and cervical cancer.
Getting a preferred life insurance rate after having cancer is very rare, but is possible.
Call us at 1-800-380-3533, email us or just request a quote using the link directly above and we’ll do our best to get you the best life insurance rate possible with regard to your specific cancer history.
Using the quoting tool on the right hand side of this page, you can see instant quotes from some of the insurance companies we can offer you. We will need more information from you to provide an accurate quote.
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