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Term Life for Cancer Patient

Believe it or not, there are life insurance policies available for those who have cancer and those who are currently in remission. You can either qualify for a guaranteed issue life insurance policy, sometimes referred to as a graded policy, or a simplified issue policy depending on how long its been since your last cancer treatment.

How Does It Work?

There are no medical exams or tests. You just have to  answer a few health questions. These policies offer graded benefits, which means the full death benefit is not offered until year 3 (in most cases). For example, if you die in year 1, the insurance company may only pay out 25% of the death benefit to your beneficiaries. If you die in year 2, the death benefit may be increased to 50%. Typically by year 3, the full death benefit is paid to your beneficiaries if you die.

What Are the Qualifications?

As long as your cancer has not been diagnosed as terminal, you can qualify for a guaranteed issue policy. If you are in remission from cancer and you have not had any cancer treatments within the last 12 months, then you can qualify for a simplified issue life insurance policy.

How Do I Apply?

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