A cancer diagnosis begins a process of careful planning; scheduling follow-ups with specialists, setting a course of treatment, eating healthy, and considering the future possibilities are just a few of the ways patients process the news. A heart wrenching part of planning for the future after a cancer diagnosis (especially an advanced cancer) is reconciling the possibility of death.
Cancer.org eases this worry, if only a bit, noting, “You may feel better knowing that the outlook for many people diagnosed with cancer is very good. Many people still believe that “cancer equals death.” But the fact is that most cancers can be treated. There are almost 14 million people living in the United States today who have or had cancer.” However, cancer can be unpredictable. Cancer.org still reports that survival rates vary from patient to patient. Even those in remission should continuously consider their future and the future of their family.
That’s why it’s so important to shop for life insurance. This task is especially challenging since many people with a threatening diagnosis have difficulty getting approved by a life insurance company. If you’re in the process of purchasing life insurance or even considering it, then check out these six tips.
For many people, they may just be looking to see how much final expense insurance can cost; if this is you, contact us and we’ll provide you with numbers from several carriers so you can see what is best for you, your family, and your budget.
Obtaining Life Insurance Coverage after a Cancer Diagnosis
1. Get Your Medical Records in Order
Be prepared for questions. The answers are your medical records. You’ll need documentation to support all your claims. Consider a service such as HealthFrame that allows you to easily compile your personal medical records for quick access. In some cases, HealthFrame may even facilitate the exchange of information to a life insurance provider. The sooner you can answer the questions of a potential provider, the faster you can move to the approval process.
2. Shop Around
Shopping around ensures your policy is independently designed and negotiated giving you better odds for life insurance approval. A devastating diagnosis doesn’t absolutely mean you won’t be eligible. Having the right tools on your side when pricing out policies allows you the most competitive rates possible.
3. Consider the Types of Life Insurance
According to Consumer Reports, “Insurance agents push a wide range of products, but the two major types are permanent and term life insurance. Permanent life (which includes whole, variable life and universal policies) is a mix of life insurance and an investment account that pays a benefit when you die or the built-up cash value if you liquidate it before your death. Term life is pure insurance protection that provides a death benefit if you die within a set number of years and typically nothing if you live beyond that term.”
Note that, depending on your circumstances, only one insurance type may be available to you. Term life insurance typically offers lower rates; however, whole life insurance is more likely to be approved for those with a cancer diagnosis or those in remission. No matter what, expect to pay a higher premium from the start than other policy holders.
Quick Tip: You might have seen some offers on TV for Colonial Penn or AARP, don’t fall for those policies. You can find much cheaper coverage by speaking with an independent life insurance agent or agency.
4. Get Ready to Pay Higher Premiums
Setting aside money before and during the shopping and approval process is crucial to buying life insurance. You may think that it’s an unnecessary extra cost that you’re tacking on to the mounting money associated with your treatment, but it should be factored into your monthly budget just like any other bill.
It’s impossible to know just how much your policy will cost until you’re approved. Until then, plan big and make cuts where you can. Consider the following tips for saving during this time:
Reassess your health insurance policy
With the recent introduction of the Affordable Care Act, it may be possible to qualify for lower rates through the Health Insurance Marketplace. Saving even a few dollars a month from one policy may lend to the other.
Start automatically saving
Many banks and credit card companies now offer new ways to save that you’ll likely barely notice – including automatically adding the change from each purchase to your savings account. Talk to your financial institution about these programs to get creative with your saving.
Focus on people, not experiences
After a cancer diagnosis, it may be tempting to create a bucket list and rush to complete it. Doing so could mean high costs at the expense of new experiences. While you should consider reevaluating your lifestyle, spend the energy you do have spending time with loved ones – it costs nothing and the dividends are tenfold for your health.
5. Wait for Approval
If you’ve applied for a policy where cancer documents need to be heavily reviewed and verified by the underwriter, patience is necessary; it can take a long time.
In the meantime, focus your energy on staying healthy and beating the disease. Life insurance providers are interested in your survival as well – whether or not they need to payout depends on it. Remember, even if your application isn’t approved that doesn’t mean you won’t get a second chance with another company. If you aren’t approved, consider this: the appointments you kept and the treatments you took during the approval process weren’t wasted; they may be the very things that another company values for insurance.
6. Understand the Challenges
If you’re armed with the reasons life insurance companies deny individuals, you’re more likely to be able to negotiate with the company or discuss additional options.
It’s also important to understand that these challenges aren’t permanent roadblocks. On buying life insurance post diagnosis, Forbes reports, “Maybe not now, but when you’re five to seven years cancer-free, you should be able to qualify for standard rates.”
Know You’re Getting The Best Value
One thing to consider throughout the course of your buying experience is every agent can only offer you the same thing. Going to ten or twelve different life insurance agents won’t actually do much, at all.
Each agent has the same access to the same policies, all with the same rates.
The ones who will truly make a difference for you are those who know cancer the best and matching you to the insurer who is the most liberal, given your situation and variables therein. We are one of those agencies.
Our superior process truly weeds out the companies who won’t be a great fit, or will just charge you extra high premiums because they don’t like the risk.
Have you recently been diagnosed with cancer and considered life insurance? We want to hear from you. If you’ve started shopping, what challenges have you encountered? Share your story in the comments below.
Call us today for a quote at 1-888-552-6159.
adablanton says
Hi, My brother in-law has colon cancer for the last two years, can he get life insurance? Thanks ada
Liran says
He can get a guaranteed issue life insurance. I will get in touch with you with more details.
michelle says
Liran can i have your email.
We have been successfully treating ovarian cancer for over 8 years. My partners insurance is tied to her health insurance and our premium just went up to 3500 ever 2 months. I would like to look at other options as she is doing great and we may want to switch her insurance company. Currently doing amunotherapy with Sloan kettering in NYC.
Ed says
I’m newly dx stage 4 Colin cancer started chemo last week would like to get life insurance set up in my nieces name for me how wood I go about that if possible
Doug Mitchell says
Ed – call me at 1-800-712-8519. I can help you get set up with some guarantee issue (no health question) policies.
Bobbi Ferguson says
I am also interested in getting a basic life insurance coverage for my husband that was just diagnosed with cancer.
Laura says
I am curious. Is there a way to get insurance for a child after a cancer diagnosis or recurrence? Thoughts?
Liran says
Hi Laura,
It depends if the cancer has been successfully treated then possibly yes, especially as a rider on an adult’s term policy. If there is cancer currently the Gerber Grow Up plan might approve – they don’t disclose their underwriting guidelines, so we could help you apply, and it’s likely hit or miss.
Sharone Brown says
Mr. Lirian, can I get life insurance for my 61 and was given one year to live a year ago. My uncle has Prostate Cancer; he is convinced that he will beat it by continuing to take natural products. He stopped Chemo after only having chemotherapy from June 2013 – September 2013. I only want a small policy for $10,000. Please advise? Thank you!
Liran says
Hi Sharone,
I just emailed you with some information. He can get Guaranteed Issue life insurance.
Latasha Greene says
I also been looking for life Insurance for my sister son he been cancer free since he was 17 years old, he is now 19 going 20 everyone tell us no so can you help us too
Faith Giglio says
My father in law was just diagnosed with liver cancer. Can you let me know if he would be able to get life insurance and what the rates would be for $25k and $50k for 10 years and 20 years?
Doug Mitchell says
Faith,
We would not have term life available but can do up to $50,000 in guarantee issue whole life. Call us for a quote at 800-712-8519.
tiffany thomas says
Hello Liran,
My name is Tiffany, and my husband just got diagnosed with AML, it a form of leukemia. And im trying to see if I can get him any kind of life insurance coverage. Please let me know.
Liran says
Hi Tiffany,
I will send you an email now with some information.
Thanks
Amanda Nigh says
I just read Tiffany’s common above my husband as well has a form of leukemia and is a service-connected disabled veteran due to the leukemia he got in war can you send me some information also for life insurance please
Doug Mitchell says
Yes we can. Give us a call at 888-552-6159.
Christine Shepard says
Hi Liran,
I just came across this blog and My husband had non Hodgkin’s lymphoma at 28 he beat the cancer and is not cancer free. He is 42 now. He has recently been having some health problems which prompted the doctors to order a CT scan. The CT scan shows a small mass on the tail end of his pancreas and the right and left lobe of his liver. He hasn’t been diagnosed with cancer and we are awaiting and appointment with oncology to determine the severity of the masses in liver. I have been denied coverage though a few different places and was wondering who I should contact to see if there is any guaranteed life insurance?
Christine Shepard says
I apologize. I meant he is cancer free.
Doug Mitchell says
Christine,
Your best option right now is to wait until the oncologist has reviewed everything.
Paul Kilgore says
I am 2 years into pancreatic cancer without surgery. Is there any options for me?
Liran says
Hi Paul,
I just sent you an email with more information.
Gwen Holt says
My brother has been diagnosis with prostate cancer is there any life insurance or burial insurance that we can purchase that could help us.
Liran says
Hi Gwen,
I’ve emailed you information – there are options for him.
Lisa says
My husband was diagnosed with a rare cancer in his lower leg last year. He had his leg amputated and all the cancer was removed with the amputation. He did not require chemotherapy or radiation. He has had no metastasis to any part of his body. Does he qualify for any type of life insurance?
Liran says
Hi Lisa,
I just sent you an email with more information.
Lacy says
I’m wondering about what life insurance you can get if you have lung cancer
Liran says
Hi Lacy,
I am emailing you some information now.
Cindy says
My husband has $25,000 term life insurance. He was recently diagnosed with CLL, can I increase the amount or will my premium skyrocket?
Liran says
Hi Cindy,
I just sent you an email with some additional information.
Carey says
My 66 year old husband was just diagnosed with prostate cancer. He has a $100k term policy. The premium will become prohibitive in 2020. I called the issuer of that policy to get a rate to convert it, but it is too expensive. Do we have any other options?
Liran says
Hi Carey,
I am emailing you some information now with a recommendation.
Gerry says
What are the life insurance options and costs for someone who has lung cancer?
Liran says
Hi Gerry,
Sending you an email now with more information.
Irene S. says
My ex husband has lung cancer. It started in his mouth and he had surgery. Then it want into his lymph nodes on same side and had them removed. Pet scan showed spots in lungs. did a 1st series of chemo. had 2nd PET scan, original spots not as pominent but additional faint spots in lungs BUT no where else. NOW is going to do level 2 chemo for 3 cycles and than another scan. unfortunately during the two sugeries his life insurance lapsed and was cancelled. would he qualify for any life insurance now?? PLEASE HELP!!
Fernando Acevedo says
Hi how you doing my little sister was diagnose with stomach cancer she is 26 years old is she able to get life insurance
Liran says
Hi Fernando,
She can get a guaranteed issue policy. If you would like to contact me I can provide you with more information on it.
Jackie Estes says
My fiancee father has been diagnosed with colon rectal cancer and has told us that we should take an insurance policy out on him to help us out when he does pass on. Is their any options for him that we should look into???
Liran says
Hi Jackie,
I will email you some information with options for him.
Jamie says
My dad just found out he has cancer don’t know what kind yet but it’s in his back hips and liver are they any way to get life insurance?
Liran says
There are options for coverage – send me an email to Liran@BestLifeQuote.com or call 800-574-0245 ext 101 and I can go over options with you.
Paul says
colon CA surgery back in 2009. All of my colon removed with no Mets, no chemo or radiation. Oncologist won’t follow me after year three, last flex dig was negative summer 2014. Looking for whole or other perm insurance, not term. 45 yo male, nonsmoker, on htn meds, slightly overweight. Love some companies, products, and rates. Thanks!
Liran says
Hi Paul,
I will email you to get more information. Thanks.
Brian says
What are the life insurance options for a Colon cancer survivor who had surgery and chemo (2010), who has been cancer free for 4 yrs going on 5? 42 yo male, nonsmoker, on no meds.
Liran says
Hi Brian, it depends on the stage/grade of the cancer. I will email you now for more details.
Janice says
hi i would like to know if my father would be eligible for any kind of insurance. He just recently was diagnosed with stage four kidney cancer.
Liran says
Hi Janice, I just emailed you.
Felicia Miller says
My dad was just diagnosed with throat cancer im trying to see if it is to late to get him a cancer policy.
Liran says
Hi Felicia,
I am sending you an email now with some information.
Elizabeth says
Hello,
My husband was diagnosed with prostate cancer. He needs Life Insurance. Can you please advise on what kind of insurance would be good for him?
thanks,
Liran says
Hi Elizabeth,
I will email you now with some information.
Moniqua says
I’m searching for life insurance for my mom how has BREAST cancer for the second. Time and lung cancer for the first time is there a policy that I can purchase please let me know thanks so much in advance.
Liran says
Hi Moniqua,
I just emailed you with some information.
George says
My mom was just diagnosed with lung cancer in November 4 2014, Is it possible for me to get a Life Insurance policy on her? geob87@gmail.com
Liran says
Hi George,
I just sent you an email with some information. Thank you
Danielle says
My mother in law has been diagnosed with cancer. Last week was put in a nursing home and told she could not live alone. She is 68. We just found out she let her life insurance go. Is there any coverage we can get to help with expenses? The report is not good we were given. Any help would be would extremely welcomed.
Liran says
Hi Danielle, I am sending you an email now.
Daniel Kim says
Hi Liran,
My father has been battling brain cancer (astrocytoma) for the past six months. As we’re not sure if he may live more than a year, I’m wondering if he would be eligible for term-life insurance. Please help.
Warm Regards,
Danie
Liran says
Hi Daniel,
I just sent you an email with some information.
Adam Sharpe says
My mother was diagnosed a year ago with cholangiocarcinoma, a rare liver cancer. She’s had surgery and chemo and has had good results (tumors are getting smaller), are there any options for her? If so just shoot me an email, thanks.
Liran says
Sending you an email now.
Travis says
I’m looking for insurance for two people. My father was diagnosed with Stage 4 Lung cancer over 2 years ago and at that time was given 3 to 6 months. Due to this, his children have been helping with home improvements (A/C, roof, flooring) to ease my dad’s mind and help my mom. My mother is an early stage endometrial cancer survivor since early 2000. While my father has in place prior life insurance, the children are interested in additional insurances on both our parents to help cover the home improvements, if needed.
Liran says
Hi Travis,
Just sent you an email with more info.
Jessica says
My father just found out he has brain cancer he is having some of it surgically removed and some will have radiation. He has already beat Lung cancer 4 yrs ago. Is there anything that will help with his final expenses if and when that may come?
Liran says
Hi Jessica,
I just emailed you.
karen samuelson says
My husband was diagnosed with stage four non single cell carcinoma On Nov 4 2014. He has been going through chemo and radiation For possible remission. Is there a plan that might cover that might cover him?
Liran says
Hi Karen,
I just emailed you.
Al says
Hi, I was diagnosed with Leukemia APL and I am now in remission. I am considered to be overweight and most companies wont insure me. What options do I have? Thanks
Liran says
Hi Al,
I just sent you an email with more information.
Ikechia says
Hello Mr. Liran,
My partner of 17 years was just diagnosed with Stage IV pancreatic cancer; he’s soon to be 49 years old.. He’s been receiving Chemo treatments 4 weeks now and will continue for 14 weeks. We have no life insurance and would like inquire and start shopping for some on his behalf. Is there a plan that will might cover him? If so, which plan would you suggest?
Liran says
I just sent you an email with more information. Thank you
Hosea says
Diagnosed with prostate cancer 2015.
How much coverage can I get and at what monthly cost?
Retired, sos I don;t have the group life insurance anymore.
Amber says
Hi,
My mother is 56 yrs old and has been diagnosed with stage 5 melanoma cancer that’s untreatable. She has no life insurance. Is there any kind of insurance I can purchase to cover her.
Glenn says
My wife was just diagnosed with stage 4 er-positive breast cancer. Can we buy life insurance?
Dawn says
Hello Mr. Liran,
My husband was diagnosed 2 years ago, he is 39yrs old. He has had chemo and a colon resection. We are having a hard time finding life insurance options. Any advice would help.
Melissa marshall says
Please email me info to see what insurance can get so that we are not left with my moms debt. She has lung cancer and is having chemotherapy each week she is retired disabled vet. She was major in the air force. Thank you
Jim says
I am a 46 yr old male with metastatic stage 4 colon cancer, and my oncologist has told me that his goal is to help me live another 18 months for my kid’s sake. I have several insurance policies and have tapped into accelerated death benefits already on one policy as I’m not able to work due to chemo side effects, but seeing as I have 3 minors still at home, I’d like to get whatever additional insurance policies I can, within reason. I looked up guaranteed issue life insurance, and it states you need to be 50 yrs old. Are there options for someone in their 40’s with a terminal diagnosis? Thx.
Heather says
My mother was diagnosed and died from ovarian cancer prior to her 60’th birthday. Although I don’t believe this is considered a genetically linked cancer, it automatically puts me in a low category due to that history, although I am completely healthy and have no other risks. The premium once I put in that history doubles from around $45 to nearly $90/month. Are there any insurance companies that you would recommend that would not “punish” me for her unfortunate diagnosis which is highly unlikely to affect me? Thank you
Len jones says
Hi Liran. Have a wife dealing with stage 3 lung cancer. And blood clot at 45 years old. For a couple years now. What can you suggest.
Daniel Brock says
Hi, I’m 33 and this week had a diagnostic procedure on my bladder that shows *something,* though there has been no biopsy or diagnosis just yet. Can I get life insurance? I already have one policy, but would like to add another.
Russell Roberts says
My fiance has a sarcoma tumor in her left thigh and the cancer spread to one of her lungs can you cover her she’s 37 years old.
cissy bush says
Hi
my husband was diagnosed with colon cancer Dec 16,2016. The mass was removed and lymph nodes (31) were tested and were negative. He is 58 years old. We have no life insurance and would like inquire and start shopping for some on his behalf. Is there a plan that will might cover him? If so, which plan would you suggest?
cedric says
Friend of mine have stage 4 cancer of the pancreas. We have no insurance and would know how to go about getting some. Thank you
M.J. says
Greetings, Mr. Liran!
My husband has been recently diagnosed with bladder cancer. He is 49 years old. He is scheduled to begin chemo threatments this week and radiation the following week. Unfortunately, we have no life insurance because we simply could not afford it. Is there a plan that you can recommend that
might cover him? If so, which plan would you suggest? I am totally at a loss and don’t know what to do. Please advise.
Doug Mitchell says
Our guarantee issue policies start at age 50. Give us a call at 888-552-6159.
Brenda Daniels says
My brother has been diagnosis with lung cancer and have serious heart issues. He has opt not to have the chemo or radiation due to he (and his doctor agree) wont be able to stand the procedure. With that being said the doctor has advised him that he will have approx. 6-8 months to live. Now my sister and I just found out he have no life insurance. Is there any life insurance or burial insurance that we can purchase that could help us that does not have that 2 year waiting period?
Doug Mitchell says
Unfortunately no. You can call me to discuss at 888-552-6159.
Denise says
Hello Mr. Liran,
My daughter is 22 and she has been diagnosed with stage 4 cancer, renal cell carcinoma, She start Chemo this Thursday. Is there a plan that will cover her, If so, what insurance company and plan?
Kevin says
Hi Liran. I was diagnosed with bladder cancer in 2014. After chemotherapy and a radical cystectomy I was in remission. I recently found out my cancer has returned and will start treatment through a clinical trial. Are there any life insurance programs available that I might qualify for? Thank you.
Doug Mitchell says
Yes, we can help. Give us a call at 888-552-6159.
rick b says
Will send me some info please . Found out i have throat cancer . 52 years old
Doug Mitchell says
Yes,
I have emailed the info.
mike says
I was diagnosed with prostate cancer 5 years ago, I had surgery then radiation treatment. I have no signs of cancer returning, I am checked every 6 months using a sensitive PSA test. I’m currently 59 years old. Is there a time period after being “cancer free” which allows for a lower premium? I have life insurance through work and a policy which I purchased 2 years ago (it’s a high cost policy). Thanks
Doug Mitchell says
Yes, we can help. Give us a call at 888-552-6159.
Samantha says
Hi Liran,
My husband has been diagnosed with non-Hodgkin lymphoma and will begin chemo in a few weeks. We do not have life insurance and now I am scared we will never be able to obtain coverage. Can you please provide us with assistance on how to obtain insurance coverage if any.
Doug Mitchell says
Yes, we can help. Give us a call at 888-552-6159.
Rosalyn Watson says
I just found out that I have stage 2 breast cancer would like to know a little more about the insurance cause I need some
Doug Mitchell says
Yes, we can help. Give us a call at 888-552-6159.
Linda says
Hello my mom was diagnosed with cervical cancer and was told she may only have a yr to live, is it too late to get life insurance on her.
Doug Mitchell says
Yes, we can help. Give us a call at 888-552-6159.
Tanga says
My mom just found out she has cancer of the blood a couple days ago. Is it possible to get life insurance on her ?
Doug Mitchell says
Yes, we can help. Give us a call at 888-552-6159.
lbp says
Can you help me see if my dad qualifies for life ins after a diagnosis?
Doug Mitchell says
Yes, we can help. Give us a call at 888-552-6159.
Ashley says
My grandmother was diagnosed with stage 4 cancer. I’m looking to get insurance to help with her burial expenses. Are there any out there?
Doug Mitchell says
Yes, we can help. Give us a call at 888-552-6159.
Gerardo Solis says
Hi! Mr. Lorna
My wife has been battelling lung cancer an she is still on treatment . Is there any life insurance plan that may cover her?
Doug Mitchell says
Yes,
We have a guarantee issue policy available. Just give us a call at 800-712-8519.
amanda says
Hi Liran
My mother was just diagnosed with stage 4 lung cancer that has spread to her brain. It has only been a couple of days and I do not have much information. Can she get a policy? Suggestions on what plan would be best route?
Chris says
My wife age 53 was just diagnosed with ovarian cancer. We have a $50000 policy through her work and would like to increase to the amount of three college tuitions that will need to be paid starting over the next 6 months to 6 yrs. Any options?
Doug Mitchell says
we can cover her for $50,000 with guarantee issue policies. Call us at 800-712-8519.
Danny says
Hello,
My dad went to hospital last weekend and found out that he is having a cancer. Is he able to get a life insurance?
Doug Mitchell says
Danny,
Yes, we have guarantee issue policies for our clients with cancer.
Janeen E Simmons says
My mother has stage 4 ovarian cancer, can she still get life insurance, and what kind?
I just spoke with an insurance broker and he said if she is still doing chemo, no insurance company will approve her for life insurance,she has to wait until she is done chemo for 1to3 years..is there any way around this?
Doug Mitchell says
Janeen,
She could qualify for a guarantee issue whole life policy. We can insure her up to $50,000.
Donna says
I has a rare slow growung carcinoma remived and a redection done on my small bowel.i now have cancer in 3 lyphnodes in same general area,waiting to be seen at uams,anything i can do to help with a insurance policy that is for a low income person
Doug Mitchell says
Yes – you can call us at 888-552-6159.
Jennifer Forbes says
My mother has stage 4 Breast Cancer. The cancer is undetectable right now and I was wondering if there are any life insurance available to her that I can buy. Thanks.
Doug Mitchell says
Yes – you can call us at 888-552-6159.
Aaron says
Hello Liran,
My mother has an aggressive brain cancer, glioblastoma. Will you please provide any details of possible plans that she may qualify for?
Prognosis varies between 15 months- 5 years.
Much appreciated
Doug Mitchell says
We have 2 companies that will offer a guaranteed issue policy(no health questions). Give me a call and I can quote it for you 888-552-6159.
Devendra bankar says
6 years ago I am suffering from mouth Cancer.Now I am totally fine.So,can I buy LIC policy.
Doug Mitchell says
We will need to get more details before I can say for sure. You can call us at 888-552-6159.
Dakota Rhodes says
Good evening- my husband was dx with throat cancer (small squamous cell carcinoma) 3 years ago. I rtn’d 3x. He was treated with radiation x1 & chemo x3. This time it has metastasized to his brain and we have a very poor prognosis. He has a 400k life insurance policy, but we have no death/burial benefit policy. Is there any other insurance that we can obtain at this time for him with this outlook, if so what and up to what amount?
Thank you in advance
Doug Mitchell says
Dakota – I can discuss your options. You can call us 888-552-6159.
Darlynn Allen says
My husband was diagnosed with stage 4 pancreatic cancer in April. He is receiving disability payments from his employer who takes out our insurance premium including met life. They now want him to file social security. Are we going to loose our life insurance that we have paid into for 20 years? And if so can he qualify for life insurance with anyone else.
Jp says
My father went in to have a boyle removed and they found a tumor on his liver. They said it could be cancerous and sent out a biopsy for testing. What should I do?
Dulce V. Caldi says
Hello, My father is 71 and on Aug. 22 had a craneotomy for a brain tumor. ( Gliomastoma) has been in rehab and is looking good. NO pain medicine ever. Could I buy him a Life insurance? so far just a couple of quotes but only available after a 2 year period. I do not know how long he will live. Help.
Doug Mitchell says
Dulce – your best bet is a 2 year guarantee issue policy. We can help you with that. Give us a call at 1-800-712-8519.
glorian aron says
hello, my father has non Hodgkin lymphoma (cancer) for the second time after he beat it the first time he was diagnosed again last year , and he has no life insurance he says due to his condition he doesn’t qualify and I don’t know if that’s true .. answers please !
Eileen Leonard says
My husband has been diagnosed (in May of this year) with stage 4 kidney cancer, which has spread to his lungs. He is on Votrient, which so far, has been successful in keeping it from further spreading, however we all know the outcome of this type cancer. The chemo pill is not a cure, it is a life extending aid. We do not have any life insurance, and I was wondering if your company would be able to assist me in locating life on him? Please advise.
Shana Phillips says
My mother was diagnosed with Stage IV uterine cancer. She had a hysterectomy and will start chemo/radiation next week. Are there any options for life insurance?
tara alvez says
My husband had an acinic cell tumor removed from his parotid gland last summer. It was stage 2. No further treatment has been needed this far. As surgery is suppose to be curative. Is he eligible for life insurance?
Tuhin says
Hi,
I had a benign kidney tumor which was removed (along with the kidney) last year. Can I get a term life insurance? I am 34, non-smoker and non-drinker and in great shape with impeccable health history except for this one odd event last year.
Richard Drane Jr. says
My wife was diagnosed with stage 4 breast cancer back in may and is about to be finished with her chemo and I need to find her some kind insurance for my daughter please
Doug Mitchell says
Richard,
We have companies that will offer life insurance to your wife. Two companies we have are AIG and Gerber Life, each will issue $25,000 of life insurance for a total of $50,000. Could you give me a call at 1-800-712-8519 to discuss?
Sherry says
My husband is being treated for Multiple myeloma can he get life insurance?
Doug Mitchell says
Yes, we have some guarantee issue policies.
Latisha Hunt says
My mother is in stage 4 pancreatic cancer and now on hospice. Is there any life insurance we can get for her?
Ronda says
My very dear friend has redundant dying colon, reactive hypoglycemia, and renal disease and has a short life expectancy at the age of 37. she has 3 teenage boys that I want to do something for. Is there an insurance policy to make sure they will not have to worry about all the expenses of moms death and take care of them some after wards.
Doug Mitchell says
Yes, we do have a guarantee issue term policy with up to $50,000 in coverage. You can give us a call and request the NCE guarantee issue plan for a detailed explanation.
Leen says
Hi. My husband was dx with stage IV pancreatic cancer 8.5 months ago. Been doing various chemo for 7 months and soon will know if it’s helping.
Is there any way he can get insurance?
Doug Mitchell says
Yes. If he is over 50 years of age we have a guarantee issue policy with AIG and Gerber. Each policy is for $25,000. Give us a call.
Francisco says
Hi. At age 46 (3 years ago) I was diagnosed with stage 4 urothelial carcinoma of the renal pelvis (a variant of bladder cancer) . The treatment back then was surgery (1 month after diagnosis) and chemo. (1 month after surgery that lasted 2 months). Ever since surgery I’ve been NED (no evidence of disease). That makes 3 years cancer-free. I currently have max out the group insurance I can get from my employer without the physical. I’d like to get more coverage. Will that be possible now at 3 years? Will that be possible after 5 years?
Thanks!
Doug Mitchell says
Great News Francisco – you do have some options available. I am sending over to you some quotes.