Lung Cancer Insurance Questions & Answers

Obtaining life insurance for people with lung cancer who are seeking a traditional life insurance policy are generally considered a higher risk because of the nature of the disease.

Lung cancer is a serious form of cancer that is considered life threatening and can significantly reduce a person’s overall life expectancy.

When it comes to lung cancer, a person will most likely receive an automatic decline for a traditional policy if they have just been recently diagnosed or they are still receiving active treatment. Most insurers will require that a person will need to be at least 3 years cancer free before they will consider an application.

Lung cancer will require that you be medically examined for a traditional policy and the underwriter will want some or all of the following information:

• The date you were diagnosed
• The stage and grade of the lung cancer
• Type of medical treatment received
• The start and stop dates of your treatments
• Current and previous smoking history
• Ascertain whether the cancer metastasized
• Whether any relapses occurred

Finding life insurance for people with lung cancer can be extremely difficult and if approved, the person will be most likely receive a less than standard rating.

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What are the health risks of lung cancer?

Lung cancer can pose a very serious health risk. There are 2 main types of lung cancer which include Small Cell Lung Cancer (SCLC) which is a more aggressive form of lung cancer and develops rapidly.

The other major form of lung cancer referred to as Non-Small Cell Lung Cancer (NCCLC) is more common than SCLC. This type of cancer consists of 3 types which are called Adenocarcinomas, Squamous Cell Carcinoma and Large Cell Carcinomas. These cancers may exist singularly or as a mixed batch. There are several other forms of less common forms of lung cancers as well.

Lung cancer does not immediately present any identifiable symptoms until it has progressed to a certain point. It is one of the more difficult cancers to treat even when it is detected early enough and can easily metastasize (Spread to other parts of the body).

Finding life Insurance with liver disease

Finding life insurance for people with lung cancer is not possible until a person has been considered cancer free for at least a period of 3 years (amount of time may vary from insurer).

Many insurers will be very reticent about issuing a standard form of life insurance policy to people who have incurred this disease, and many applicants will be declined regardless of their medical status.

Other policy options are available in the form of a Guarantee Issue life insurance policy, Critical Illness policy or Graded Death policy. These policies will also vary considerably amongst insurers and in the limitations, exclusions, the amount of the policy available, and the cost of the premium.

Those seeking a policy and have been declined should seek out the advice of an experienced independent insurance agent or one that specializes in high risk health policies.