Life insurance and cancer survivors: What you need to know
You had cancer and now you are a cancer survivor. Now you are thinking about getting life insurance and are wondering if it will be possible to get life insurance with your cancer history. Here is all you need to know about getting life insurance if you are a cancer survivor.
The changes of getting life insurance with a history of cancer
It is not impossible to get life insurance if you had cancer. Maybe a few years back, it would be really hard to get life insurance if you had cancer, but life has changed. There are so many success stories about cancer and cancer treatments, that having cancer doesn’t mean a death sentence. There are companies out there that are trust worthy and that have approved cancer survivors for getting life insurance. It will be a bit harder to get Life insurance if you are a cancer survivor, but not impossible.
Life insurance depends on type of cancer
Getting life insurance when you are a cancer survivor depends also on the type of cancer you had. There are some cancer’s that falls under a higher risk than others. With some cancers you will pay a normal premium, but with other types of cancer you will pay a very high premium. It all depends on what type of cancer you had and how long you are in remission.
What you need to know before getting life insurance
Before you can get quotes for life insurance if you are a cancer survivor, there are a few things that you must know, to improve your changes to be approved for life insurance if you had cancer:
Don’t lie about health
Don’t ever lie about your health if you want to apply for life insurance.Even if you did had cancer. By telling the truth, you have a better change in getting approved for life insurance. If you are lying, they will find out the truth and they will know that you are untrustworthy and they will not approve any life insurance for you.
Try applying for the life insurance with medical exam
You may think that there’s no way og getting life insurance with a medical exam if you had cancer, but it is not true. By going for a medical exam, you can proof that your cancer is in remission and that you are healthy and living a healthy life style. You will not just get life insurance, but you have a good change of getting a lower premium.
Keep all your medical records on hand.
If you had cancer, it is a good idea to have your medical files, which are up to date, ready if you are applying for life insurance. Send it in with your application. This can also be proof that you are cancer free now, and healthy. This will also show the company that you are honest.
If you are a cancer survivor you don’t have to go through life thinking that you won’t be able to help your family financial when you passed away. There are options and it doesn’t mean that if you had cancer, you can’t get life insurance.