I Have Had Cancer – Can I Get Life Insurance?
This is another common question I hear every week from clients that I meet with, and it is a good question. The answer is yes, you can get insurance, but there is also more to this question.
Most of the large traditional life insurance carriers that I sell for pretty much automatically decline anyone coverage who has had cancer. This is where a lot of people start and stop. They apply for coverage with one of the big companies; have to go through a medical, get blood and urine work done, only to be told that the insurance company will not give them coverage. Very discouraging!
However, because I am a broker, and sell for many more companies than just the big, traditional life insurance companies, I have a lot of options at my disposal for my clients. Also, since I specialize in non-medical life insurance, I can almost always find coverage for my clients. Really, the only scenario when I can’t find coverage for my clients is when they are too old (which is usually above 80).
Even when you have had cancer, I have multiple companies that I can offer life insurance coverage to my clients and at very affordable prices as well. I have met with many clients who have had cancer and thought that it was impossible to get life insurance coverage. The advantages of meeting with a broker, like me, who specializes in finding coverage for people with pre-existing conditions, are numerous! I love helping out my clients! 🙂