While in the midst of cancer treatments, the only type of Life Insurance one can get is Guaranteed Issue. Since there are age limits on guaranteed issue life insurance (minimum age is usually 45+0), and since it is not available in every state, not everyone can get coverage while having cancer that is not yet removed, cured, or in remission.
After a year or two of being cancer free, there are several simplified issue policies that are available in addition to guaranteed issue, and some of these will work for persons under age 45.
The farther out from the time of being last treated for cancer, the better the chances of getting a regular life insurance policy. The type and stage of cancer also enter in.
To find out whether you can get life insurance as a cancer patient or survivor, call an agent who can walk through the questions with you and who has an arsenal of policies to choose from. Get one locked in now, and hopefully you can find a cheaper one in the future.
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After a year or two of being cancer free, there are several simplified issue policies that are available in addition to guaranteed issue, and some of these will work for persons under age 45.
The farther out from the time of being last treated for cancer, the better the chances of getting a regular life insurance policy. The type and stage of cancer also enter in.
To find out whether you can get life insurance as a cancer patient or survivor, call an agent who can walk through the questions with you and who has an arsenal of policies to choose from. Get one locked in now, and hopefully you can find a cheaper one in the future.