Family History of Cancer and Life Insurance
Finding a Policy Doesn’t Need to be Difficult
It’s not easy to find an insurance policy when you’re dealing with health issues like family history of cancer. Many insurance companies decline family history of cancer coverage, but at our brokerage, we are happy to help and will find you your most affordable option. Instead of trying to find a policy yourself, let us help you narrow your options. We are familiar with many impaired risk life insurance companies, making us well-equipped to find you the best rate possible.
When you have a family history of cancer, finding the right life insurance company can be very difficult. Maybe you heard that you can’t get a good health classification. In some cases, companies have even declined people because of their family history.
However, life insurance companies all view health conditions differently, and there are numerous factors involved in determining your rating class. We're experts in gathering information to help portray your history in the best light to insurance companies. From there, we know with which companies are more willing to offer better rates to people who are “high-risk” applicants.
We have high-risk experts on our team who can help you shop through all your options to help you find your best rate.
Your health classification has a lot to do with your probability of developing the same conditions as your family. For example, companies will not penalize you if you are female and have a family history of prostate cancer.
Although most carriers will not offer you a preferring or preferred plus health class, there are a select few that do. Since underwriting criteria are always changing, its hard to keep track of what your best options are. That's why we're here to help you find the companies that view your situation the most favorably.
Some agents don’t look into the details of your case, so they’re ignoring factors that might increase your chances of getting a good rating classification. On the other hand, we are specialized agents in high-risk insurance. As a brokerage, we are only interested in helping you find your best insurance options. Don’t hesitate to give us a call at 212-484-9888 for some peace of mind in knowing you’re getting the best rate.