Being diagnosed with cancer can feel devastating. With the possibilities of treatment options in the Peoria, AZ area today, many go on to live an active normal life. Surviving a cancer diagnosis often makes one think about their mortality and their loved ones, which often leads to thinking about life insurance. You may believe life insurance is impossible, but this is incorrect, there are policy options.
Life insurance may be a little more complicated if you have just recovered, and it can also depend on the type, stage, and location of the cancer. Because you’ve survived, that increases the prognosis. A new policy can be more expensive at first, but it can be decreased to a better rate over time. It’s important that you keep following your doctor’s advice, continue with your follow-up visits, and make healthy life decisions.
Depending on the type of life insurance, after two to five years you can have them review your case to lower the premiums. You will need to provide your medical records, and it’s a good idea to have your physicians write a letter about how you’ve been managing your life since your recovery. For example, if you have lost weight, go to the gym regularly, stopped smoking or drinking, and are living a healthier life, then you want your doctor to let the insurance company know. It can reduce your rates and move you to a lower risk and premium.
Schaller & Thomas Family Insurance
The agents at Schaller & Thomas Family Insurance in the Peoria, AZ area puts customer service first. Our agents have experience with life insurance and health issues to help you find the right life insurance option to help you take care of your loved ones if you are no longer there.