What’s My Chanes of Getting Life Insurance After Having Breast Cancer?
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Wont know іf i’m аƖƖ clear fοr another couple οf years, wіƖƖ anyone take mе οח? wһеח mу mum died ѕһе wasn’t insured caused ԁrеаԁfυƖ arguments between tһе family, חο one wanted tο pay, tһе funeral people threatened mе wіtһ tһе bailliffs, dont want mу daughter tο ɡο through tһе same thing, i know i ѕһουƖԁ һаνе ɡοt insured years ago bυt i wаѕ such a healthy person until tһе cancer crept up јυѕt dont tһіחk іt’s going tο happen tο уου ԁο уου?
I need info on paying for breast cancer treatment?
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4 Comments on “What’s My Chanes of Getting Life Insurance After Having Breast Cancer?”
They may take you. The insurance company will ask your doctor for your medical records. They will charge extra because you have bad cancer or may not take you at all.
Best thing to do is call a life insurance agent and tell them you want to put in an application non-bind. Non-Bind means you put in the application but they are not going to cover you until you are approved. You do not pay anything either until you are approved. So, I will say it again, you are not covered and you do not pay until you are approved.
That is probly how the agent would handle your situation anyways. But if they do not ask, then tell them you want it non-bind.
After all you do not want to pay until you know if they will accept you and keep you and you know what they want to charge you.
Also, one more thing, just apply for a simple 10 year term policy.
Experienced Life Insurance Agent
You’ll have options, but they’ll be few and expensive.
http://www.InsurancePickle.com
You have options, look into a graded benefit whole life plan. It might fit your need and budget.
These are used as final expense plans and the graded benefit allows for your health issue.
Good Luck
Typically it will be 5 years after being cleared before insurance companies will look at you like a normal person.
Coverage will be hit or miss. The smaller the policy though, the more likely you will be to get coverage. It sounds odd, but the less money the company has to pay, the less they check.
I am a big proponent of term only insurance, however, if cash value is the only option, get it. At least then you have some coverage.