Last Updated on June 12, 2020 by lifepolicyshopper
Final Expense Life Insurance For Breast Cancer Survivors
In this article we will show you how to get a life insurance policy two years after being treated for breast cancer. The fact is, most insurance companies decline individuals for 5 years after breast cancer treatment while taking maintenance medication. But we have access to a company that offers level coverage for individuals that have completed breast cancer treatment and have been on the maintenance medication for a 2 year period.
Let’s review these whole life insurance program guarantees:
These programs have the following guarantees
1. First Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your premiums will never go up. Lock into a rate at your current age and the cost will never increase regardless of changes to your health and age.
4. You benefits will never go down. Regardless of changes to your health and age.
5. All programs build cash values.
6. The benefit is paid to your beneficiary tax free on the worst week of their life.
7. Your policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.
Family Benefit Life
Family Benefit Life Insurance Company is the company we use to get breast cancer survivors a great whole life insurance policy at a preferred rate. They have an easy application, a short point of sale telephone interview with a point of sale approval. That way the applicant gets approved on the spot in most cases. Some of my favorite things about this company and how we can offer great value to our customers are:
• They have a great priced fully underwritten whole life product.
• They accept insulin diabetics even with neuropathy at level coverage.
• They have a two year look back on a diabetic coma and will offer level coverage.
• They have a two year look back on breast cancer medications when most companies look back 5 years.
• No application questions about illegal drug or alcohol abuse and treatment.
• No application questions on activities of daily living accept for home health care and bed confinement.
Breast Cancer or (Carcinoma of the Breast)
Breast cancer encompasses a variety of malignant neoplasms of the breast. Breast cancer usually begins in the cells of the lobules (milk-producing glands) or the ducts that drain milk from the lobules to the nipple. It is the most common site of cancer in females and until recently was the leading site of cancer in females and until recently was the leading cause of cancer deaths among females in the United States, a position that is now occupied by lung cancer.
The earliest sign of breast cancer is an abnormality shown on a mammogram. Breast changes, such as a lump, thickening, dimpling, swelling, skin irritation, distortion, retraction or scaliness of the nipple, nipple discharge, pain, and tenderness are the most common signs and symptoms. Advanced symptoms are enlargement or shrinkage of the breast; although some cancers exhibit no symptoms.
Treatment depends on the stage of breast cancer and the client’s preferences. Curative treatment nearly always involves surgical management of cancer. Possible surgeries are lumpectomy or mastectomy with accompanying radiation, chemotherapy, or hormone therapy. Whether lymph nodes under the arm are removed depends on the likely spread of the disease. Radiation may be done before surgery to shrink the tumor or postoperatively to destroy any remaining malignancy. If surgery is done, breast reconstruction may follow. Targeted cancer therapy is another treatment that may be used. This therapy targets specific characteristics of cancer cells, such as a protein that allows the cancer cells to grow rapidly and abnormally. Targeted therapy is generally less likely than chemotherapy to harm normal, healthy cells.
The tumor tissue is tested for the presence of hormone receptors to determine whether the tumor is estrogen or progesterone dependent. If it is, hormonal manipulation, such as removal of the ovaries or adrenal glands and administration of testosterone, may be attempted to halt tumor re-growth or to prevent its spread.
If you are a breast cancer survivor and it’s been 2 years since your treatment and you’re now on hormone or preventative treatment, it’s very likely you will qualify for first day coverage at a preferred rate with Family Benefit Life. Fill out our quote tool and we will help you get a whole life insurance policy with first day coverage.
Medications we commonly see are:
There’s new hope with 1st-day coverage for breast cancer survivors. To get an immediate quote for a whole life insurance policy, fill out the quote tool.
If you’re on a 24-month return of premium plan or a guaranteed issue plan let us help you get first-day coverage at a ridiculous rate.
New Hope For Breast Cancer Survivors
We LOVE helping breast cancer survivors get first day coverage because we know most all companies have a 5 year wait after beginning the preventative treatment phase to include medications like anastrazole. Independent insurance agents typically know which life insurance companies tend to offer the most competitively priced policies for applicants with certain medical conditions or risky lifestyles especially when it comes to final expense life insurance for seniors.
For example, some insurers will offer better prices for people with heart disease or diabetes than other companies. Other life insurers are more lenient when it comes to cigar use or tobacco chewing. And still other companies will quote better rates for nonmedical risks such as aviation, scuba diving or foreign travel. Captive Agents, those agents that work for your neighborhood Agencies like State Farm, Farmers, and Progressive might simply decline the case and either recommend an independent agent that can find the right coverage or simply say, I’m sorry I can’t help try someone else.”
Fill out our online quote tool and let us help. No matter what state you're in - we have a network of agents that can help you find 1st-day coverage with a variety of final expense life insurance companies.