Long-term care insurance can protect your retirement and your family in your later years.

Can i buy life insurance if i have cancer. Life insurance policies with an exclusion for cancer-related claims are rare. Keep in mindyou cant just purchase a life insurance plan for anyone. If youve been cancer-free for five years or more you can often qualify for a term or permanent life insurance policy.

Its important to keep in mind that you can expect to pay more than you would without that diagnosis but well help you sort through the process. Former cancer patients arent uninsurable but applying for disability insurance with a pre-existing condition can mean that youll have higher premiums. Getting life insurance after prostate cancer is possible provided that you can meet certain requirements.

Can I buy a life insurance policy for a family member. The good news though is that you could buy a guaranteed acceptance life insurance policy. Or you may be refused cover altogether.

However every case is different and life insurance companies take a range of factors into account if youve had cancer including the type and stage of cancer. While it might be more challenging to get a policy individually you may be able to get life insurance through your employer if your company offers a group life insurance plan. The coverage limits on these policies are typically lower since insurers need to.

A cancer diagnosis and treatment are not an auto-decline for long-term care insurance. The type of cancer you have and the stage it is at will affect. 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.

Yes but your family history can affect how much your premiums cost. Whether you have cancer or another pre-existing condition getting life insurance likely will be more difficult and include higher premiums. Always evaluate the best no physical life insurance companies before applying.