If you dont have a life.

Can cancer patients get life insurance after diagnosis. Usually an existing health insurance policy cannot be changed or canceled due to diagnosis or treatment of cancer. Ask your adviser about using a special event option. Life Insurance After Cancer For the most part having cancer can reduce your life insurance choices no matter the circumstances unless its nonmelanoma skin cancer.

Many companies want 10 years because the recurrence rate can be high with many types of cancer. In fact you likely wont be able to get a traditional life insurance policy if youve just been diagnosed with cancer or are receiving treatment he says. Life insurance for terminally ill cancer patients When diagnosed with terminal cancer also known as end-stage cancer and your medical specialist believes the disease will result in your death within 12 to 24 months depending on your insurer your full life cover benefit will generally pay out in.

Or you may be refused cover altogether. If you have had or are living with cancer and you want to buy life insurance you will usually be offered a higher premium than average. Do most life insurance policies cover cancer.

Your chances of getting life insurance cover depend on the type stage and grade of your cancer. 4 rows Can I Get Life Insurance After a Cancer Diagnosis. If you are currently undergoing treatment for cancer or if you have had a cancer diagnosis within the last two to four years you will not be able to purchase a traditional term or whole life insurance policy and will have to purchase a more expensive final expense policy.

The type of cancer you have and the stage it is at will affect. Many health insurance companies offer insurance case managers to assist insured individuals diagnosed with cancer. Many people think they can qualify for life insurance soon after remission but that is not true.

Your insurance card will have numbers you can call to learn more about your policy. Most insurers will not offer a policy to someone who is still having treatment for cancer. The exceptions would be when the premium has not been paid or the insurance was obtained through fraud or the change in the policy applies to all people insured under the policy not just those diagnosed with breast cancer.