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We specialize in obtaining affordable cancer insurance coverage for cancer patients and cancer survivors.

Cancer Life Insurance

Life Insurance for Cancer Patients

If you are looking for life insurance for cancer patients, you have come to the right place. As you are already aware, cancer is one of the largest killers in society today. Due to numerous factors and the varied lifestyles of people, cancer is becoming an all too common illness amongst us regardless of our color and nationality.

Today, there is still no absolute cure for cancer and the illness is worsening, however the good new is finding life insurance for cancer patients has never been easier to obtain. With that being said, your ability to afford the life insurance coverage offered, or be willing to accept the life insurance company’s terms in which they are willing to underwrite the life insurance policy, may be a different story. There are several different factors that the cancer life insurance companies will use in determining not only how much of a death benefit you can receive, but also how long you may have to wait before those benefits will pay out.

Life insurance companies have always been willing to offer Life Insurance for Cancer Patients but most times, those policies come with strict underwriting requirements, or multi-year waiting periods before the death benefit becomes payable. Some life insurance companies will offer coverage only if the patient has been recovered from the illness for more than 5 years. While other insurance companies, will offer Life Insurance for Cancer Patients regardless of your present physical condition, with little or no health questions asked.

There are three basic types of life insurance for cancer patients plans available. Your options include a fully underwritten insurance plan which will include a doctor’s visit and laboratory work, the cheapest way to purchase any type of life insurance, with the benefits being payable upon policy issue.  A simplified issue plan, where you only answer a series of predetermined health questions, and based on your responses a premium and policy death benefit amount could be offered, most times there is no benefit waiting period for these policies as well. Finally, you have a guaranteed issue life insurance for cancer patients policy, where there will be a waiting period of one to three years before the benefits become payable. A two year waiting period being the most common offered.

As the name implies, with a guaranteed issue policy you are guaranteed a life insurance policy. The good news is you are able to purchase some from of life insurance coverage; the bad news is this is the most expensive way to purchase life insurance.

We will shop your needs among the leading life insurance companies in the marketplace to bring you multiple offers from several different life insurance companies, that way you can be assured to receive the lowest possible price for your life insurance for cancer patient coverage.  

If you think you may qualify for a fully underwritten plan, the best way to prepare before applying for your insurance policy is to gather all your medical records since the first detection of cancer. This will make the process easier for both yourself, and the life insurance company. The life insurance company will definitely investigate all the medical history of the proposed insured before granting a life insurance for cancer patients policy.

The extent and type of the cancer will also be taken into account, as well as length of time being cancer free, and whether or not any lymph nodes were involved. Breast cancer or prostate cancer patients may be offered a fully underwritten policy or a simplified issue policy. This is because these forms of cancer have had a greater recovery rate than any other form of cancer. For some, a guaranteed issue policy may be all that is offered.

We will locate for you the most affordable life insurance for cancer patients policy we can find, that’s what we do everyday. Simply select any of our life insurance partners on our web site right now, receive your fast and free quotes today, and possibly have your life insurance coverage tomorrow.