The myth existing that most people cannot buy life insurance with critical illness is out of date. people have received life insurance despite having a critical illness. Life insurance policies vary but many people that have been successfully treated for cancer and heart attacks have been found to have the same life expectancy as people deemed healthy by their doctor and free of any critical illness.

Life insurance companies have different policies and coverage but many of them today provide insurance for qualified women that have recovered from certain kinds of breast cancer and qualified men that have been successfully treated for prostate cancer.

Hence life insurance with critical illness is not only possible but open to many people. Check the rules available for perusal in the National Cancer Institute’s “Surveillance, Epidemiology, and End Results” (SEER) database that covers nearly three million cancer patients. Doctors, medical researchers, and oncologists nationwide send reports to the database where data is compiled without the names of patients but instead a numerical reference. Then insurance companies take this information for underwriting purposes. They are able to see a ton of information here ranging from patient demographics and tumor locations to follow-up, morphology, diagnosis stages, first-course treatments, and related procedures.

Thus life insurance with critical illness can be offered to many people and  depending on your type of cancer, the life insurer will add a surcharge or temporary flat extra but these tend to disappear after time.