Insurance for Cancer Survivors: Acceptional Life®!
Over the last several decades, advancements in cancer treatments have drastically improved the recovery and long-term survival rates of some of the most common types of cancer.
Breast: 25% of cancer diagnoses (women)
1978: 70%
2014: 87%
Prostate: 20% of cancer diagnoses (men)
1978: 45%
2014: 93%
Colorectal: 12% of all cancer diagnoses
1978: 42.5%
2014: 65%
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Although traditional life insurance underwriting guidelines have evolved in response to these improvements, many cancer survivors that require substantial amounts of life insurance are unable to qualify. We can help!
Recent Cases:
Pediatrician, Female Age 57
Breast Cancer – Stage 2A
Required $1,250,000 for Key Person business coverage. Diagnosed with Stage 2A breast cancer due to metastasis to lymph nodes. Treated with chemotherapy, radiation and surgery.
Final offer – 10 year term with a breast cancer exclusion.
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Business Owner, Male Age 49
Prostate Cancer – Stage 2
Required $2,500,000 for Buy-Sell business coverage. Diagnosed at age 41 with Stage 2 prostate cancer. Treated with active surveillance only (no surgery, radiation or chemotherapy).
Final offer – 10 year term with prostate cancer exclusion.
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Professional, Female Age 44
Colorectal Cancer – Stage 3
Required $1,000,000 for personal coverage. Diagnosed with Stage 3 colorectal cancer due to metastasis to lymph nodes. Treated with surgery and 7 months of chemotherapy.
Final offer – 10 year term with colon cancer exclusion.
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For these and many other types of cancers, Acceptional Life can be used as a temporary solution or as a longer term solution where individuals have been permanently declined. Applicants can be considered in as little at 3 months post successful treatment.
For more information on how Acceptional Life can provide coverage for cancer survivors and individuals with other medical or lifestyle impairments click here.
Brooke Gibson
Sales & Marketing Associate
T 416.408.5659
TF 1.888.995.9199 ext. 1
brooke@hunmcc.com