No Medical Exam Life Insurance for Former Cancer Patients

If you have recovered from cancer, it is time to think of purchasing a life insurance plan. Former cancer patients will have to struggle before they can find affordable plans. The good news is that former cancer patients can qualify for no medical exam life insurance!

Cancer_patient2Is life insurance without medical examinations real?

Yes, people can purchase life insurance without having to take medical examinations. These policies have a simplified underwriting process which means that they do not take into account many details. In order to qualify for a plan, you will have to complete an application form.

There are different plans that do not require medical exams and the application form may be different. If you apply for simplified issue, your medical history will be checked and this will affect your eligibility as well as your premiums.

   How is cancer review by agencies?

As you can imagine, agencies consider any form of cancer a high risk disease and people who are currently suffering from cancer cannot qualify for life coverage. Only former cancer patients can purchase a plan, but only certain conditions.

How to find no medical exam life insurance as a former cancer patient?

There are certain things you can do to increase your eligibility:

  • Wait at least five years since your last symptoms. An agency will consider insuring you only if the cancer has been gone for at least five years.
  • Bring medical reports. Medical reports that show the evolution of your disease are very important. An agency has to be reassured that your condition has greatly improved and that you are in no risk of developing any health complications.
  • Consult an insurance broker. Since your case is special, you need special help. Calling an insurance broker and discussing your life insurance options with him/her can help you find life coverage a lot easier and faster. Make sure you hire an insurance broker that has managed to get coverage for people in your condition before.

If you want to find no medical exam life insurance as a former cancer patient, you need to compare quotes and learn as much as you can about life insurance. For the best quotes and resources, visit our website!