Cancer Survivors - Life Insurance Solutions
| When you are diagnosed with cancer, you think it will be impossible ever to obtain life insurance to protect your family. While this is probably the case for treatment as soon as you have been cancer free for five years, you have few options. |
Cancer Survivors
FOR IMMEDIATE RELEASE
PRLog (Press Release) – Mar 04, 2011 – When you are diagnosed with cancer, you think it will be impossible ever to obtain life insurance to protect your family. While this is probably the case for treatment as soon as you have been cancer free for five years, you have few options. At this point, buying life insurance is a challenge, but it is not impossible. Your chances of getting a policy in place will depend greatly on the type, stage and grade of cancer and your treatment plan. Other factors that the insurer will consider include the time elapsed since the last treatment, the outcome of treatment outcomes, and how recent was your last cancer monitoring.
Most insurers will follow the guidelines set forth by the National Cancer Institute Surveillance, Epidemiology and End Results (SEER) database. This report contains information on nearly three million cancer patients. Oncologists, doctors and medical researchers across the United States to submit reports to the database and this database patients simply assigned a number. Insurance companies are then able to access information for subscription . It gives them the opportunity to examine patient demographics, morphology, diagnostic measures, treatment, first course, tumor sites, and monitoring procedures. This allows them to really assess the risk when insurance these patients.
For more details and a preview look here:
http://www.knowthecancer.com/
Life insurance companies know that the greatest risk of death after treatment with the first couple of years. This report allows the insurance company to find out what cancer is. If the patient has a good prognosis, usually cannot get insurance, a year or two. Often the insurance company will also examine the medical records and medical records of breast cancer survivor for seven years until the end of treatment. If the patient has a good prognosis at this stage, may request a reassessment and better insurance premiums. Most cancer survivors can get insurance five years cancer free.
Some cancers are very difficult to get coverage, while others have little effect on the transmission capacity. Most insurance policies do not allow someone who is currently in cancer treatment. This is due to the fact that during this period, the risk of death is greater. Once you have made the successful treatment of a life insurance company may add a surcharge, hereinafter referred to as "temporary flat extra" for several years, depending on the cancer and treatment. These supplements are automatically deleted after a certain period.
Candidates who have the most common and treatable forms of breast cancer, prostate cancer, testicular cancer and thyroid may be able to get a standard notation if certain conditions are met. Other cancers such as leukemia or colon cancer, you throw in a high-risk group.
Trying to get life insurance as a cancer survivor, there are certain things you can do to increase your chances, as follows:
1. Gather all your pertinent medical records before your application. This should include your first pathology report, medical records, and your treatment record. You want to give the insurer of the most complete information possible. This will reduce delays in obtaining coverage. If you do not have this information, they assume you're high-risk cases.
2. Make sure you follow precisely the doctor's treatment plan. Your insurance company will not be willing to provide coverage, unless you follow doctor's orders and make all your visits.
3. Be sure to get quotes from several insurers. Especially in this area, there is a wide price range.
4. If you are unable to obtain life insurance on your own, do not give up. Many companies offer insurance plans. Although more expensive, you might be able to get some coverage up this way.
5. You may also consider insurance to be ranked as a last resort. This type of policy, the death benefit is extended there is the politics. During the early years, they pay only nominal fees, and if some are dying of cancer, and then after a few years, pay the full face value.
Read "Know The Cancer" blog to know more about cancer now: http://www.knowthecancer.com
Most insurers will follow the guidelines set forth by the National Cancer Institute Surveillance, Epidemiology and End Results (SEER) database. This report contains information on nearly three million cancer patients. Oncologists, doctors and medical researchers across the United States to submit reports to the database and this database patients simply assigned a number. Insurance companies are then able to access information for subscription . It gives them the opportunity to examine patient demographics, morphology, diagnostic measures, treatment, first course, tumor sites, and monitoring procedures. This allows them to really assess the risk when insurance these patients.
For more details and a preview look here:
http://www.knowthecancer.com/
Life insurance companies know that the greatest risk of death after treatment with the first couple of years. This report allows the insurance company to find out what cancer is. If the patient has a good prognosis, usually cannot get insurance, a year or two. Often the insurance company will also examine the medical records and medical records of breast cancer survivor for seven years until the end of treatment. If the patient has a good prognosis at this stage, may request a reassessment and better insurance premiums. Most cancer survivors can get insurance five years cancer free.
Some cancers are very difficult to get coverage, while others have little effect on the transmission capacity. Most insurance policies do not allow someone who is currently in cancer treatment. This is due to the fact that during this period, the risk of death is greater. Once you have made the successful treatment of a life insurance company may add a surcharge, hereinafter referred to as "temporary flat extra" for several years, depending on the cancer and treatment. These supplements are automatically deleted after a certain period.
Candidates who have the most common and treatable forms of breast cancer, prostate cancer, testicular cancer and thyroid may be able to get a standard notation if certain conditions are met. Other cancers such as leukemia or colon cancer, you throw in a high-risk group.
Trying to get life insurance as a cancer survivor, there are certain things you can do to increase your chances, as follows:
1. Gather all your pertinent medical records before your application. This should include your first pathology report, medical records, and your treatment record. You want to give the insurer of the most complete information possible. This will reduce delays in obtaining coverage. If you do not have this information, they assume you're high-risk cases.
2. Make sure you follow precisely the doctor's treatment plan. Your insurance company will not be willing to provide coverage, unless you follow doctor's orders and make all your visits.
3. Be sure to get quotes from several insurers. Especially in this area, there is a wide price range.
4. If you are unable to obtain life insurance on your own, do not give up. Many companies offer insurance plans. Although more expensive, you might be able to get some coverage up this way.
5. You may also consider insurance to be ranked as a last resort. This type of policy, the death benefit is extended there is the politics. During the early years, they pay only nominal fees, and if some are dying of cancer, and then after a few years, pay the full face value.
Read "Know The Cancer" blog to know more about cancer now: http://www.knowthecancer.com
# # #
Learn about cancer, its risk factors, treatment, prevention and more …
Know The Cancer is a topic to gives facts causes cancers. This may elaborate different types of cancers; it gives details throughout the whole system either for men or women
Know The Cancer is a topic to gives facts causes cancers. This may elaborate different types of cancers; it gives details throughout the whole system either for men or women
No comments:
Post a Comment