I have none. Zilch! I tried a couple of companies that advertised "No questions asked" but guess what? Yep. They do "ask" a few.

Who can I get it from? Have any ideas? See I knew I should have never put it off but to late now aint it? Also money is an issue with me so I need something reasonable.
Blessings and hugs,
Barb~

When people say to me, "isn't it great, you beat oral cancer", I always joke back..." I may be feeling and looking fine now, but one thing is for sure...nobody would sell me a life insurance policy!" Barb, I imagine that this is true, unless, of course, you would pay an exorbitant rate for the insurance.
My mom, who is almost 87, decided about 5 or 6 years ago to buy life insurance and indeed they sold her a policy, but it cost her a fortune. After a few years she realized that it was a bad bet and she cancelled it. She would have done better investing the money spent on premiums.
Again, with our actuarial statistics I cannot believe that any company would sell us a life insurance policy at a realistic rate. On the other hand, I wonder if those of us with life insurance policies can sell them to viatical companies for cash like AIDS patients often do.

Best of luck,
Danny G.

I think there is a possibility that you could eventually get a policy, but you will have to have a five year period of no occurances, and even at that it may depend on stage, etc.

I base these comments on a discussion I had with an insurance agent on a policy which would help cover medical expenses from cancer treatment/care on top of my existing health coverage. Once the agent found out I was a survivor (surgery May 2004), the polcy was off the table. He did say that after five years, he would write me, but that is five years without an occurance.

I did tenatively qualify for a $100,000 term policy at around three years out. The problem is it would cost $700 per month. Needless to say I did not buy that. I am presently waiting to hear if I am able to obtain more at an affordable rate now that more time has gone by. Insurance companies are in the profit business. They will not take risks (which is understandable) Thankfully I have a $100,000 policy in place since I was about 27. You can bet I have made sure the premiums are paid on time.

Don't bother with the TV ads saying "you can't be turned down" Sure they might sell you a policy but the fine print will say that conditions exist and they won't pay if you die from the cancer. Instead they will return the premiums.

Well crud. I guess I will have to go to the funeral home and get a payment plan. Not that I am planning to die real quick but whenever I do hit the dust I don't want my kids to have to pay for it all. They can't afford it and its not fair to them.

Oh the dumb things we do. I kept planning to get some and planning. I planned right until it was a day late. Thanks all.

Blessings,
Barb~

I was lucky...just over a year before diagnosis we took out an income protection policy on me, as I am the main money earner in our 2 person business. I just scraped in the door and they paid me a lump sum, plus we had subsidised monthly income until I was working full-time. That really helped pay the rent etc. What a shame we couldn't afford at the time a higher premium for a bigger payout, like, be able to buy a house! That small amount I have set aside for any more treatments. Oh, and perhaps an OS holiday

After a year I could buy back the life policy for a piddly amount per month, around $21, for a death payout of $72k. All the other policies I'm sure won't have me, even tho' they "say" no questions asked... :rolleyes:

Tizz
(who is tired of working!)

Barb,
Buying life insurance past the age of 50 is expensive, cancer or no, especially if your are not in a group plan. And why give the funeral home the money now? Your gonna live for another 30 years or so put the money in the bank and you earn the interest.

Take care,
Eileen

Yeah I know but I can "lock in" at todays prices. Funerals will cost a million bucks in 30 years. Don't you know that Eileen? hahahaahahahha

Blessings,
Barb~

hi Barb,

there are some special circumstances. for example, NASA had an open enrollment period last year for everyone, not just new employees. i jumped on it. the deal was that you had to be alive for one year before the policy goes into effect. in fact, i have to show up at work on some special day this september.

folks who work for government agencies can be on the lookout for special offers, rather than ignoring insurance literature ... as i normally do.

federal employees often have the same benefits offered as Congress, so we are often on the winning team.

i wish that others had the same opportunities.

cu,
larryb

My insurance company told me 7 years of "cancer free" before they would issue me a life policy but like others have said, at my age the premiums would eat me alive.