Surviving cancer can be a miracle, but finding cancer life insurance is just frustrating. If you compare life insurance quotes online, you’ll quickly notice that you come off very poorly in comparison to people who have not suffered a major illness.
How do I get cancer life insurance?
For about five years following your survival diagnoses, cancer life insurance is going to be difficult to come by, unfortunately. And we all know that you should, as a responsible adult, have your affairs in order for your family, and that includes life insurance. Of course, the best way to get around this would have been to have comprehensive cover in place at the beginning- while you may see premium increases, it would be very unethical for your insurance to be cancelled due to your illness.
However, many of us do not always have our affairs in order. Finding the best life insurance quotes online is a horrible mission after cancer. Most insurance companies use guidelines from the National Cancer Institute SEER database to compile their cancer stats. This database gives statistical info [so that it remains confidential] on about three million cancer patients, with data from doctors, researchers and oncologists. Unfortunately, it is rare for an insurer to offer any kind of policy to a patient who is still in the treatment process. For this to occur, a particularly good prognosis would be needed. Within the years directly after your recovery, you will probably be asked to pay a surcharge- also known as a temporary flat extra. These should drop away after a set period that should be clearly explained to you, so be sure to know your rights.
Will they cover me?
If you have a cancer that is seen as typically ‘simple’ and readily curable, you will likely be offered a very similar service to the ‘standard’ policy. However, for aggressive diseases such as leukaemia and colon issues, you will tend to either receive declines or fall into higher penalty or less likely to be issues categories. Even if this is the case, don’t despair. If you can’t get coverage on your own, you may still be able to get it as a ‘group’ rate through your employer’s offered benefits and avoid the sticky issue of cancer life insurance.
How do I improve my chances?
To improve your chances of getting the best insurance quotes online for cancer sufferers, you may well do best by approaching a broker who specialises in people who are ‘impaired risks’. They will best know how to approach companies and how to negotiate better premiums for their client then you may be able to do acting for yourself. When you apply, make sure you have all your medical and treatment records readily to hand, to prevent the insurer making bad decisions on incomplete info. Make sure that you are compliant with treatment and follow up scans, and do shop around to get the best cancer life insurance you can.
Getting cancer life insurance may be tricky, but is not impossible if you know what you are doing.
Find out more informations here: http://www.forbes.com/sites/amydanise/2015/12/17/insiders-tips-buying-life-insurance/#3d24d1b77e56
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