Worry-Free Life Insurance with Cancer

A cancer is an abnormal growth of cells (usually derived from a single abnormal cell). The cells have lost normal control mechanisms and thus are able to expand continuously, invade adjacent tissues, migrate to distant parts of the body, and promote the growth of new blood vessels from which the cells derive nutrients. Cancerous (malignant) cells can develop from any tissue within the body.

As cancerous cells grow and multiply, they form a mass of cancerous tissue—called a tumor—that invades and destroys normal adjacent tissues. The term tumor refers to an abnormal growth or mass. Tumors can be cancerous or noncancerous. Cancerous cells from the primary (initial) site can spread throughout the body (metastasize).

 

Types of Cancer

Cancerous tissues (malignancies) can be divided into those of the blood and blood-forming tissues (leukemias and lymphomas) and “solid” tumors (a solid mass of cells), often termed cancer. Cancers can be carcinomas or sarcomas.

Leukemias and lymphomas are cancers of the blood and blood-forming tissues and cells of the immune system. Leukemias arise from blood-forming cells and crowd out normal blood cells in the bone marrow and bloodstream. Cancer cells from lymphomas expand lymph nodes, producing large masses in the armpit, groin, abdomen, or chest.

Carcinomas are cancers of cells that line the skin, lungs, digestive tract, and internal organs. Examples of carcinomas are cancer of the skin, lungs, colon, stomach, breasts, prostate, and thyroid gland. Typically, carcinomas occur more often in older than in younger people.

Sarcomas are cancers of mesodermal cells. Mesodermal cells normally form muscles, blood vessels, bone, and connective tissue. Examples of sarcomas are leiomyosarcoma (cancer of smooth muscle that is found in the wall of digestive organs) and osteosarcoma (bone cancer). Typically, sarcomas occur more often in younger than in older people.

Life Insurance and Cancer

The good news is that in many cases, there are multiple life insurers willing to offer coverage for applicants that report a history of cancer. Certainly, some cancers are substantially more serious than others so applicants who have life-threatening cancer that is considered stage four, a guaranteed issue final expense policy will likely be your only alternative.

Any individual with a history of cancer should speak to one of our insurance professionals so that we can present your case to multiple highly-rated insurance carriers and develop a solution that will meet your individual needs and your budget. You can contact us at (540) 226-8715 during normal business hours, or contact us through our website to discuss your case.