When looking for life insurance as a cancer survivor, it is important to consider many factors.    You want to speak with a life insurance consultant that can work with you to understand your situation and ask the right questions.   How long have you been cancer free? What type of cancer did you have?  Did you have chem0therapy?  What medications are you on now?  What follow up do you have on an annual basis?

Those are just a few of the many questions that should be considered for a preliminary analysis to determine the best carriers.  When looking for the best carriers, we want the most aggressive underwriting and best rates will be imperative.  The various carriers will look at different scenarios different ways, so it is important to weed out the ones out who will not provide the best opportunities.   Once we have the preliminary analysis, we like to take the analysis  and inquire on anonymous basis with all the carriers.   Once we get the feedback of the best opportunity for the client, then we will submit a formal application for the client.   In some cases, we might even submit applications with two carriers and have them compete for the business.

The last thing you want to get is a decline.  The decline goes into your record and all of the insurance carriers can see this and it makes it more difficult to get a good rate or even get approved.    If you want a preliminary analysis, we are happy to go through the process with you.  This is the best and most efficient route if you are a cancer survivor, unless it has been more than ten years.