insurance quotes london ontario

insurance quotes london ontario
It used to be the case that cancer survivors were out of luck when it came to purchasing life insurance. It was Devastating because life insurance is a vital component of any sound financial plan, especially for someone who is younger and still in his prime working years.

The problem of life insurers was that actuarial calculation for the evaluation of the cancer survivors' risk was too vague. There was too much variation from person to person and medical knowledge about what cancer survivors were more likely to live longer was not advanced enough.

But now, new medical breakthroughs and more information on how to reduce the risk for a recurrence of cancer have made it much more likely that a cancer survivor will be on until old age. As a result, many life insurance companies offer coverage to cancer survivors who have lived for a certain number of years, usually five years after her cancer went into remission.

Some life insurers are still liberal. For instance, the Hartford Life Insurance Company began offering policies at standard rates for women age 40 or over who have had breast cancer without there being any waiting period. The underwriting standards are that the cancer had been a small, local stage 1 state and the doctors confirm the woman has strong prognosis for survival. These women also have completed the treatment and the first follow-up visit with no signs of the disease found.

Hartford is also compatible with standard rates for men who have survived prostate cancer, the age of 60 years or older, have been fully treated surgically, a Gleason score of 6 or less, a pretreatment PSA of 10 or less, and cancer by the doctors as to the prostate.

Of course, you must be willing to pay higher premiums than you otherwise in most cases. Remember that life insurance is priced to the risk, forcing companies to pay in the event of death in the near future. Cancer survivors are still more than risk factors for death than the average person because they are statistically in fact do so. Your contributions will be depending on what kind of cancer you had (for example, melanoma is considered less risky than colon cancer), how advanced it is, how much the treatment, are needed, how long you had cancer, how many years is there it went into remission, family history of cancer risk, whether you have any cancer-prevention drugs, and so on.

You can help yourself to find coverage at affordable prices by using a broker to find life insurance companies that specialize in underwriting cancer survivors. Not only that they are easier to find them it will be much easier for you to compare prices and underwriting standards. The life insurance broker can give you recommendations, too.

But there are things you can do to lower your premiums and make it easier over. You may have periodic check-ups to continually confirm that you are no longer any symptoms of the disease, which show you are responsible and pro-active. You can also create a lifestyle, medical experts certify helps prevent cancer. You can quit smoking. You can get on a regular exercise program. You can use your food, more fresh fruit and vegetables and their juices and less refined sugar, and omega-6 fatty acids. You can become a moderate Drinker if you drink alcohol heavily. If you have had melanoma, you can try to tan and use sunscreen when you go outdoors.

A life insurance and medical certificates doctor can prove that all these things and you will be less of a risk than cancer survivors as a result.

The author lives with her husband in Maryland, USA, with her two dogs and cats. She put together the website http://www.affordable-life-insurance-guru.com in order to help the everyday person navigate the often confusing world of life insurance.