Finding no medical exam life insurance as a former cancer patient is not easy, but is not impossible. You can find life coverage as some plans provide guaranteed acceptability. However, you will have to meet certain standards.
Agencies use a process called underwriting to determine if an applicant is eligible for coverage. As a former cancer patient, meeting the eligibility standards is your greatest challenge. I can say right from the start, that you will not be able to get preferred rates. Most likely an agency will make you pay costly rates as you are considered a high-risk case.
In order to meet eligibility standards, you have to:
- Be cured and show no signs of any cancer symptoms
- Be cured for at least several months or several years (some agencies require 5 years during which you did not followed any cancer treatment)
- Be in a good medical and physical condition
- Be younger than 80 years
An agency will require a detailed medical background check. An agency is interested mostly in the type of cancer you had, its stage and the medical treatment you underwent. If you had a low-risk form of cancer such as prostate, breast or sing cancer and if the cancer was treated early, you have good chances of being accepted for coverage.
Here are some factors that increase your eligibility:
- If you had stage 1 cancer
- If you had breast, prostate or skin cancer
- If you never smoked/took drugs and if you do not drink often
- If the cancer did not spread and affected other organs
- A detailed medical report from your doctor that shows a stable medical condition
- Comparing life insurance quotes and discussing your case with an insurance broker
- Life insurance from your workplace
As a former cancer patient, you have better chances of finding no medical exam life insurance through your workplace. Many group plans do not require any medical underwriting so you can benefit from coverage. Talk with your employer about your insurance options. Most workplaces do not have good life coverage and the benefit will be small.
The price of your life insurance plan will be very high. You should consider buying coverage if your family needs financial protection. If you are retired, a plan should cover your funeral expenses. Make sure you compare quotes to see how much a policy will cost you.
We can help you find life insurance quotes for free. We have helped many former cancer patients find life insurance. Visit us for more information.
Prostate cancer is the most common form of cancer occurring in men. If a woman finds a lump in the breast, she immediately thinks she has breast cancer but if a man begins to urinate more often at night and if he is told by the doctor says that he has an increased prostate, he fears that this gland might develop cancer.
Unfortunately, we do not know the exact cause of prostate cancer, but several risk factors have been identified, i.e., factors that amplify the possibility of developing this disease. Luckily, relatively a lot of these risk factors such as diet can be controlled and influenced by our decisions.
Summarily, some of the risk factors are:
- Age, mainly after 50 years;
- The occurrence of the disease in the family;
- Diet rich in red meat or a high in animal fat.
Experts from the American Cancer Society state that the most important recommendations can be made for those who want to prevent prostate cancer are:
- Choosing foods from plant sources;
- Limit your intake of foods high in fat especially animal food sources;
- Be physically active and maintain your normal body weight;
Avoid or limit alcohol consumption.
Diet and lifestyle regime have important role in the treatment of this disease, based on numerous observations such as the fact that prostate diseases are more prevalent in fat or obese men who eat and drink in excess and have been smoking for many years. These deviations from a balanced lifestyle have risk their relationships with other tumors – breast, colon, liver, pancreas, blood and lymphoid organs. Food low in fat, with little or very little animal protein without excess calories, rich in vegetables and fruits, suppliers of vitamins and detoxifying enzymes can help the body very much and even cure can be achieved.
Prostate cancer can be cured if you take appropriate measures, but what happens if the situation might worsen? By purchasing a life insurance from one of the top rated life insurance companies you can secure your loved ones’ financial future! Visit our website in order to get a life insurance rate quote.
Today, experts estimate that in the United States alone, Americans are more than $609 million in debt. In addition, the latest statistics indicate that consumers have on average 3.5 credit cards with the average household debt being almost $16,000. Although there are other ways for people to get into financial trouble, misuse of credit cards has without doubt been one of the biggest contributors to the country’s economics. This is certainly not to say that having a credit card is a bad thing. In fact, when managed appropriately, credit cards serve very important purposes.
Some of the other statistics that are alarming have to do with what the credit card companies are offering consumers. For instance, the latest annual percentage rate for new credit card offers is 14.35%. While this is certainly lower than we had seen over the years, the interest rate plays a key role in who well or bad a credit card would serve someone. Then, the annual percentage rate on credit cards with outstanding balances is currently at 14.48%. Knowing the average rate could be used as a guide when searching good credit card offers.
For overall revolving debt within the United States, 98% has to do with credit cards. Considering that the United States consumer debt is just below $2.43 trillion, it is easy to see what negative impact credit cards could have if the wrong card were chosen and if a card were not being managed properly. In addition, the average interest rate charged on credit cards with late payments of 60 days is over 4.27%. Of all people who have a credit card in the United States, 13% will eventually default on the agreement.
Although anyone interested in securing a credit card needs to understand the financial responsibility that comes along with this small piece of plastic, it is just as important that the right credit card be chosen. Unfortunately, millions of people lock into the wrong credit card, which quickly puts them at a disadvantage. Although this might not seem like a big deal, when you look at the statistics it becomes apparent that being a cardholder comes with a tremendous amount of responsibility. The right card coupled with proper money management, are key factors to being successful for spending and debt of this type.
While it would take some time and effort to compare different credit card offers, without going through this step, it would be easy to lock into a contract with hidden fees, high interest rates, and no features that would prove beneficial. Today, you could conduct a search through any search engine such as Google.com, Lycos.com Bing.com, or Yahoo.com to conduct a search for credit cards that would best match your needs rather than going with a cookie-cutter solution that lands you in financial trouble.
For instance, if you were most interested in a credit card with low interest, then your search would use keywords such as “low interest rate credit card comparisons”. On the other hand, if you wanted a card with a 0% introductory period and balance transfer capability so you could transfer debt from higher interest rate credit cards, use keywords such as “0% introductory balance transfer credit card comparisons.” In return for your search, multiple options would be provided. Simply clicking on several of the links, you would be redirected to a website that shows the top credit cards based on the features you want.
We want to provide you with a scenario showing why the wrong credit card could prove detrimental. Let us say that you had two credit cards, one with a $2,000 balance at 20% interest, and another with a balance of $1,500 and interest set at 22%. With rates like these, not only would it take you forever to pay off the $3,500, but also, you would be paying a significant amount of money to the credit card company just in interest. Then, if the credit card had multiple fees attached, you would be out even more money. This would be one example of the wrong credit card due to the extraordinarily high interest but now, let us say that you decided to secure a different credit card to transfer the $3,500 balances.
However, prior to being approved for the new credit card, no research on the benefits and potential risks was done. Thinking the new credit card would be beneficial, you transfer the $3,500. Unfortunately, instead of being on the fast track to financial freedom, you discover what you thought was a 12-month introductory period of 0% only applied to purchases, not balance transfers. Making things worse, the interest was actually a half point higher than the cards you just transferred balances from, and the new card charges significant fees. Now, you have new challenges on top of old ones.
Obviously, being in a situation such as this would make it extremely difficult for you to get out of debt. In addition, if the credit card debt coupled with all your other debt had you pinned against the wall financially, chances are good that your credit score would be at risk for serious damage. With a poor credit score, securing a loan for a home, car, boat, credit card, etc would be impossible. Additionally, bad credit would mean paying more in insurance premiums and even being passed over for someone else with good credit when looking for a different job.
As you can see, the “non-issue” of choosing the wrong credit card could easily and quickly spiral out of control. This situation is one that millions of people around the country face, which has wrecked havoc on credit, as well as family dynamics. Had those people spent a little time and effort to compare the different credit card offers, they could have chosen a different card, one that would actually put them on the road to financial recovery instead of burying them deeper in debt.
Now, we want you to look at the same scenario but this time with the right credit card being chosen.
Taking out a life insurance represents a big step for anyone, so anyone must take this decision with maximum care. Life insurances can provide the desired financial support for you and your dependents only if you know how to choose. With so many companies around that provide similar services it is important to know how to shop smart and obtain the best deal. This is a major investment for some years to come and a bad decision will have negative consequences over your budget.
We have websites that provide free online quotes about various types of life insurances. Looking for a good site can be quite challenging it is important to start the search with sites that provide quotes for your area. Local insurers are always recommended. First thing to do, after you have found one reliable source is to start comparing services that provide and terms of contract. Read all the terms with maximum care. You must be able to read between the lines and understand all terms before you choose what company to favor. Some companies tend to include terms that may seem insignificant details, but in fact are really important.
Another comparison must be done between prices. For similar coverage and benefits choose the one with lower premiums. And again, double check the terms. Analyze your budget to see if you can afford the payments. Compare extra benefits that an insurer may provide in time or if there are any limitations for a policy. No one wants to find out that their policy has reached its final cost when they still have premiums to pay. Also check if their policy change if you get ill while covered and compare how much of your savings will fund medical procedures and medication.
Many sites also come with installed software to help you calculate total coverage and monthly installments. If you find an interesting policy ask for a quote, either it is a whole life insurance quote or term life insurance quotes.
Our site provides high quality quotes and we are eligible to help anyone get a good comparison. Click here to visit us!
Tobacco smokers can find accessible life coverage by applying for a no medical exam life insurance policy. Smoking will always increase your life insurance rates and it makes it very hard to find a cheap plan. Furthermore, if your health has been severely affected as a result of your habit, agencies may refuse to cover you. You can get no medical exam life insurance, but it is important to search for no medical life insurance quotes in order to find affordable rates!
How does smoking affect your life insurance premiums?
When applying for life coverage, you will be asked if you “use tobacco products”. Tobacco products means everything that has nicotine, from cigarettes to nicotine patches, all of these products will get you smoker rates. Smoker rates mean an increase of the overall cost of your policy. Smokers will not be able to get preferred plus rates, which are the cheapest, even if their health condition is excellent.
How can no medical exam life insurance help?
Life insurance policies that do not require medical examinations are also more expensive for smokers. The fact that you do not take medical examinations may hide other medical problems, which may have otherwise prevented you from getting coverage. This is the only advantage and do not expect to see cheap life insurance for smokers! Premiums are doubles or even tripled if you smoke or use tobacco products, so it is always better to quit altogether.
Advantages of no medical exam life insurance for smokers
1. Easy to qualify for coverage. Smokers may be denied coverage from traditional life insurance policies, but this is rarely the case when applying for no medical exam life insurance.
2. Covers funeral costs. You can purchase a plan to make sure that your family will have enough money to cover your funeral expenses. Burial costs and taxes can be well over $8,000!
3. Issued fast. Life insurance without medical examinations plans are issued very fast! A policy takes about 24 hours to become active. By comparison, traditional policies are issued after several weeks.
Smokers will have a hard time finding cheap life insurance. You will have to either quit cigarettes or compare as many quotes as possible to find a cheap policy. Visit our website and compare quotes from top insurance providers!