Life Insurance

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fionamag
fionamag Member Posts: 26
edited June 2014 in Employment, Insurance, and Other Financial Issues

Hello

Has anyone tried to get Life Insurance?  I know its a shot in the dark but I thought I would check

thanks

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Comments

  • Watson
    Watson Member Posts: 1,490
    edited May 2009

    It would depend on your current stage and how long ago you were diagnosed.  Probably won't be easy or cheap if available at all.

    Good luck,

    Watson

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  • Analemma
    Analemma Member Posts: 1,622
    edited May 2009

    I can't imagine a company issuing life insurance to a Stage IV cancer patient.  As far as risk assessment goes, that's a loser for the insurance company.  They are, after all, in the insurance business to make a profit.  If they don't think that you will pay in premiums the amount they will pay out, then it's a losing proposition for them.  You're better off to start saving.

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  • Watson
    Watson Member Posts: 1,490
    edited May 2009

    Stage 4 forget about it.  But DCIS could MAYBE get it.

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  • Makratz
    Makratz Member Posts: 12,678
    edited May 2009

    I tried and was denied.  IDC stage 1.  Sucks!

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  • portiasproudmom
    portiasproudmom Member Posts: 2,125
    edited May 2009

    No kidding, Linda!!  That really does suck!!

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  • ddlatt
    ddlatt Member Posts: 448
    edited May 2009

    i know several stage 3s (breast cancer) who have gotten life insurance after diagnosis. their premiums are high, but they are covered 100% for their cancer treatment. 

    this is an excellent resource re: finding health insurance after having been diagnosed. (scroll down to "financing issues")

    http://ww5.komen.org/BreastCancer/InternetResources.html#financing 

    this is info about the susan komen hotline. they may have some suggestions for you:

    http://ww5.komen.org/BreastCancer/1877GOKOMEN.html 

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  • Brenda_R
    Brenda_R Member Posts: 509
    edited May 2009

    AARP has a guarenteed life program. You don't have to belong to AARP, but the premiums are high and I think it has a limited pay out for the first 2 years.

    I have a small amount of life insurance and would like to up it, but am afraid they would ask the routine "have you had or been treated for these diseases in the last 2 to 5 years?". I'm afraid they'd find a way to drop me after I've paid for years on my policy. 

    I did look at the AARP one and it is a stiff premium for little coverage, but it would be enough to take care of "expenses" if you need it.

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  • Analemma
    Analemma Member Posts: 1,622
    edited May 2009

    ddlatt, you mention life insurance for stage 3's, but then you say that cancer treatment is covered.  So is it life insurance, or health insurance?

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