Having life insurance isn’t something that everyone thinks about until someone drastically changes in their life. To be honest, many don’t think about life insurance until they are diagnosed with cancer. However, for many who have cancer and who have recovered from it, don’t believe they are able to get any insurance. How do breast cancer survivors qualify for life insurance?
Search for A Highly Qualified Insurance Agent
Cancer life insurance is possible to get and one of the best ways for someone to qualify for a policy would be to go through a good insurance agent. Now, it will require you to find a good agent that can help with getting the best policy. Most insurance agents will be able to understand the position you are in as well as what you need so that your family will be taken care of if the worst should happen. Talk with many insurance agents and find someone who you trust and who specializes in getting people with illness insurance.
Have All Medical Records Ready and At Hand
Any insurance carrier who thinks about offering you a life insurance policy will absolutely need to take a look at all medical records. This will be important because these records will basically tell the insurance company everything about your health and it’s these things that make the decision over covering you. However, many good insurance agents will help to ensure all records are together as well as all correct information filled out in the insurance forms too.
Treatment Information
You may not always want to disclose information about your treatment because it’s personal but unfortunately in many cases, this will be needed. The insurance companies aren’t asking for this sensitive information because they are nosy but rather understanding the seriousness of the diagnosis as well as what stage the cancer is at or was at. To get cancer life insurance, some carriers will ask for the treatment info so that they know if the treatment was successful and about any recurrences too.
Different Companies Have Different Procedures
There are some life insurance companies that have certain waiting periods. These waiting periods can determine how long a person may need to wait before they are eligible for a policy. Some companies can wait for a year, possibly four or even ten; every company is different so while one company may not offer a policy, another may. Anyone can qualify for life insurance but it is just the issue of finding the right insurance company.
Look After Yourself
This might sound a little cheeky to say but after there is a diagnosis of breast cancer, that person must still look after their health. Now, this is probably something not needed to be said but it’s a little reminder nonetheless. Cancer life insurance companies can often want to ensure that apart from the diagnosis of cancer, that the rest of your health is generally good. It doesn’t matter if you have had cancer and are in remission or are currently undergoing treatment; the insurance companies need to know whether you take care of your health.
Never Give Up
It doesn’t need to be said but life insurance is vital. It offers peace of mind and even though the policies can be a little more costly than for those who don’t have cancer, it can still be worth it. The most important thing to remember is that you should never give up in anything. Everyone is entitled to life insurance and there will be companies will who offer you a policy and even though you may get rejected by a few companies, someone may want to offer you a policy. Never give up in your search for life insurance.
