7/26/2011

Insuring your life after surviving cancer

If you have managed to survive cancer and fully recover from the condition then insuring your life will become more feasible for you. And there are certain strategies you can employ for lowering your premiums. Which will certainly tend to be higher in your specific situation. 

First, you should accumulate all the medical paperwork that you can before you actually apply for an insurance policy. You have to possess all the records starting with the first diagnosis to the actual records of your treatment and recovery period. The more detailed your cancer history will be in the documents - the better. This will allow the insurance company to get the full picture of your health and better asses the risk they are taking by insuring your life. This will also make your application process a lot faster. Insurance companies tend to appreciate their future customers who are willing to provide as much information as needed when applying. When there's not much information the insurers will tend to get suspicious and this could be reflected in your premiums. So your first goal you should aim for is to assure the company that you're perfectly healthy and provide evidence of your successful treatment and recovery. 

Second, you should provide proof that you have followed your doctor's treatment plan exactly as prescribed. For example, if your doctor has asked you to pay him a visit for a regular check in a year after the treatment and you haven't shown up, it's better to make this visit before you apply for insurance. Most companies won't agree to insure you if they don't have the results of such a checkup. Even if you have undergone a medical examination and you are scheduled to have the next one soon after you actually apply for life insurance, the insurance company will still wait for the results of the scheduled checkup before giving you an answer.

Third, you have to shop around before you make a decision. A lot of buyers tend to get their life insurance from the company they already get other forms of insurance from (car insurance, home insurance). However, you should look for life insurance quotes from companies that specialize in providing life insurance first. Get as many quotes as you can and compare all the conditions besides the possible rates. The difference can be really important and it's not only the price that matters - you want to consider your coverage amounts and special provisions in order to make sure that you will receive all the benefits as expected. 

Fourth, if there's a possibility for you to insure your life under a group policy - go for it. Certain trade unions, professional associations and other groups provide group policies for insuring lives, especially if you're working at a high risk job. Such policies usually have lower premiums than individual policies. 

Fifth, think about a "graded" policy in case you cannot afford getting full death benefits. Such policies initially provide only the premiums and part of the death benefits in case a person dies due to a condition that was present before the policy was actually signed. In case the person dies after a specific period, the insurance company will pay out full benefits even if it was due to a condition like cancer. 

Remember that it's possible to get your life insured even if you have suffered from cancer and survived. Provide proof of your good health condition and choose the best policy out the to get the lowest rates!


How to Profit from Industry Losses written by David Mayer
This article talks about how US consumers may be able to profit from life insurance industry losses. Less people are insured today, even as the industry hires more agents.

Bad value for money written by David Mayer
The article looks at the contrast in life expectancy between the US and the rest of the world.

Health law is Health law is constitutional written by David Mayer
The article looks at the recent decision in Michigan holding the healthcare reform constitutional.

Ways to make insurance cheaper for your business written by David Mayer
Business insurance rates are on the rise and many business owners are looking for effective ways to cut their insurance costs. Here are some practical tips on how to get lower business insurance rates.

Insuring your life after surviving cancer written by David Mayer
Life insurance quotes tend to be higher for people who have successfully overcome such a horrible condition as cancer. But there are ways you can make life insurance cheaper even after cancer.

Finding Attractive Mortgage Term Insurance Deals written by Anirban Bhattacharya
Mortgage term life insurance involves using the proceeds of a life insurance policy to pay off the balance of a mortgage or provide income for the monthly mortgage or rent payment.

Save Deer, Save Your Money written by David Mayer
This article clarifies questions about collisions involving wildlife - specifically deer. Auto insurance rates do go up, so learn how to avoid the deer on the road this autumn and winter.

Inside UK: London Car Insurance written by David Mayer
London car insurance can be quite cheap if you know where to look for cheap car insurance. Learn more about London car insurance and ways of saving money on it in this helpful article.

Inside UK: Birmingham Car Insurance written by David Mayer
Birmingham car insurance can be quite picky in terms of rates and coverage but if you want to get cheap car insurance there are ways to get competitive Birmingham car insurance as well.

Inside UK: Glasgow Car Insurance written by David Mayer
Learn more about getting competitive Glasgow car insurance offers without spending too much time or money on it.

Inside UK: Manchester Car Insurance written by David Mayer
Manchester car insurance may seem to be hard to get if you want it inexpensive.

Inside UK: Bristol Car Insurance written by David Mayer
Bristol car insurance providers may seem quite hard to deal with sometimes. But if you find the right approach to car insurance quotes you can get competitive Bristol car insurance rates as well.

Inside UK: Leeds Car Insurance written by David Mayer
Leeds car insurance offers can differ a lot from one company to another and the best way to get good Leeds car insurance is to take some time and compare car insurance quotes online.

Fraud protection on vehicle insurance written by David Mayer
Auto insurance fraud schemes can affect anyone forcing the driver to pay higher premiums due to illegal actions. Learn how to stay protected from auto insurance fraud schemes with these tips.

Discounts to cut your insurance costs with written by David Mayer
Auto insurance is sometimes a costly option to get for your car but a necessary one. Still you can use different discounts in order to get cheap auto insurance and save some money with the same coverage.

Best and cheap aren't always the same written by David Mayer
Auto insurance is a part of a car owner's life and many people are looking for cheap options to insure their cars with. However not always cheap auto insurance means that it's best for your car.

Information about Aetna California Insurance written by jack jackson
Aetna is debatably one of the leading health insurance companies in the entire USA and it is their mission to help people maintain vigorous health by providing access to cost-effective and high-quality health care.

Health Insurance Programs for Low-Income Citizen in California written by Muthu kumar
California has an array of private as well as public health insurance programs. This city has lots of profit and nonprofit health insurance organization working within its border. It also includes some of the well-known companies such as Blue Shield and Kaiser-Permanente.

Protecting Your Dependants Interests written by Anirban Bhattacharya
A mortgage life insurance has advantages over other proposals for mortgage protection. This works similar to a life insurance and actually it's as if the life insurance policy is providing mortgage insurance cover.

Buying Toner At A Discount written by Vikram kuamr
Insurance printer toner does not have to be used only for those who are in the insurance business. You can use this toner for any type of business that you have.

Buying American Family Insurance Ink written by Vikram kuamr
You do not have to be an American Family Insurance agent in order to take advantage of the ink prices that are available to the agents of this insurance company.

Introduction to Mortgage Term Life Insurance Online written by Anirban Bhattacharya
Life can be full of surprises – some pleasant and some unpleasant.
We cannot eliminate them, but the best we can do is be prepared to face them. 
Life can throw in some unpleasant surprises our way, but if we are prepared, 
we can face them with better confidence and fortitude.

Why You Should Buy Insurance Printer Toner written by Vikram kuamr
Insurance printer toner is the best way to save money when you are looking for toner for your business.

Insurance You Don't Need written by WebMarket Reports
New insurance companies are popping up all the time and judging by the amount of advertising they buy they are lush with money. So how do you avoid buying share holders of insurance companies a new Ferrari with money you could have spent on your child's education

Four Guidelines For Reducing Your Insurance Premiums written by WebMarket Reports
Insurance is often referred to as a grudge purchase because although most people do not want to pay for insurance, they need to in order to live a comfortable risk free life.

Why You Shouldn't Overlook The Best iPhone Insurance written by Vikram kuamr
If you own an iphone, there is no excuse not to have insurance to protect this little piece of investment.

Choosing Good iPhone Insurance Plans written by Vikram kuamr
Many people may not consider getting iphone insurance. Most people don't see this as much as a necessity as compared to, let's say, buying a car or home insurance.

Understanding the Need for Insurance for iPhones written by Vikram kuamr
Mobile phones are prone to theft or damage. Sometimes, it's really hard to avoid dropping the phone accidentally at one time or another, and there are unforeseen circumstances like fire.

Getting A Deal On Toner Through American Family Insurance written by Vikram kuamr
American Family Insurance is one of the best names in the insurance industry.

Why Buy Insurance Printer Toner written by Vikram kuamr
Whether you are in the insurance business or not, you can get a good deal on insurance printer toner when you

About the author:
With people around the world thanking him for his professional approach of discussing the topic, Vasia is a frequent writer forhttp://www.insurersforall.com/articles/life-insurance-cancer-patients.html and is happy to share his vision with you there.


Article Source: http://www.Free-Articles-Zone.com

No comments:

Post a Comment

Search for content in this blog.

Loading...

Life Insurance