If you’ve had breast cancer, there are some things you need to know when it comes to applying for term life insurance coverage, especially the many underwriting limitations. However, don’t think you can’t find a term life policy if you’re a breast cancer survivor. Many companies will grant you coverage in as little as three years after beating the diagnosis, but your chances of being approved for life insurance depend on the type, stage, grade and treatment plan.

If you’re a breast cancer survivor, we’re passionate about helping you obtain affordable coverage for your family. The following tips will help you through the life insurance application process.

1. Gather all necessary medical documents – Life insurance underwriters need specific medical information, such as your first pathology report, medical records, and treatment plan to give you a rate based on your individual circumstances. Having these documents available before you apply for life insurance will reduce any delays in the process, allowing you to get coverage quickly and easily.
2. Be sure to follow your treatment plan accordingly. Life insurance underwriters like seeing results of follow-up appointments before they grant coverage.
3. Comparison shop online to find the best deal. Multi-carrier brokerage firms, like AccuQuote.com will compare underwriting guidelines among the best life insurance companies to get you a low cost term life insurance rate based on the type, stage, grade and treatment plan of the breast cancer.

So don’t lose hope when applying for life insurance if you’ve had breast cancer or any other type of cancer. If you’ve been successfully treated, many life insurance companies will offer you coverage with little hesitation.

Alternatively, if you’ve never had breast cancer but your immediate family members have, you may want to apply for life insurance coverage as soon as possible because your family’s health history affects your rate. Getting term life insurance coverage while you’re young and healthy guarantees your future insurability for life regardless of any illnesses that you may develop in the future, as long as there’s no lapse in coverage.