Life Insurance after Cancer
Cancer is an ugly word. Scary. It causes stress and anxiety for anyone who has ever received that diagnosis. However, survivability numbers today are phenomenal for cancers that just 20 years ago would have been a death sentence. What that means is that many more people are being cured. The technologies today are yielding an early diagnosis of the diseases which is so important in the ultimate prognosis. With over 17 million survivors of cancer in the United State alone, this is very good news.
Breast Cancer—Prostate Cancer—Colon Cancer—Thyroid Cancer—Skin Cancer and many more are most assuredly insurable after treatments. While there may be some time allowance after your last treatment to make certain there is no recurrence, the very real answer is yes, we can insure people who have a Cancer history.
Do I need to Be “Cancer-free” to Apply for Life Insurance?
Insurance companies have evolved over time to recognize that new treatments and cancer patient outcomes allow for insurers to offer policies for survivors of cancer. Some cancers that are not as threatening, such as skin cancer, slow-growing prostate cancer, and others allow the insurance company to provide coverage within MONTHS of diagnosis and definitive treatment!
It is important as a cancer survivor, that you work with an insurance professional to find the best rates and policies centered around your unique set of circumstances. At Family Tree of Life, we know what to look for and how to best help you navigate this new chapter in your life where your life insurance protection is concerned.
Are there Restrictions for Types of Insurance for Cancer Survivors?
The good news is that you can have access to both term and permanent products from a multitude of carriers. It is the UNDERWRITING process that determines the PRICE of the protection. At Family Tree of Life, with our internal underwriting team, we know that certain carriers for example are better (more aggressive) underwriters on certain cancers. The goal is to offer you the PROTECTION you need at the lowest possible PRICE.
Please feel free to contact us directly and one of our underwriting specialists will reach out to you to discuss options.
Have you been Turned Down for Life Insurance in the Past?
Not to worry there! Not all agencies or agents have expertise in the medical conditions involved nor the underwriting relationships we have here at Family Tree of Life. We see your challenges as opportunities to HELP you!
Next Step: Find Your Insurance Advocate
While the Life Insurance companies have the actuarial statistics, the probabilities of recurrence, and the survivability numbers at their fingertips, you are still you…..a unique you. Your personal cancer history, your personal medical history, your personal lifestyle, and health style issues are unique to YOU. What you want is an advocate when you go into a life insurance negotiation after a cancer diagnosis.
Here at Family Tree of Life, we can review your cancer history specifically, but more than that, we will examine the uniqueness of you and your circumstances and become your advocate in any negotiation with the life insurance companies. We are truly on your side of the negotiations fence, with a very real goal of getting you the life insurance protection you want and need after surviving your cancer!
Please contact us today for a private discussion.