Have you been declined for life insurance due to Leukemia?
Luckily, you’ve come to the right place.
Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Leukemia? And if so…
2. How much will it cost?
Can Individuals with Leukemia Qualify for Life Insurance?
Yes, most individuals with Leukemia will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
Best Case Scenario – The best rating at “Standard” or “Mild Substandard” cannot be given to cases of Leukemia because there is no definite cure for this disease.
Moderate Case – Those cases of Leukemia with no major complications yet and whose symptoms of anemia, bleeding and infections are mostly controlled may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
Severe Case – With severe and recent complications such as serious and chronic infections or metastasis to other organs like the liver or lungs, the best approval you may obtain is at a “Severe Substandard” rating, and for irreversible cases, a decline. Click here for a quote at “Severe Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
If you’re unsure which of the above health cllasses to quote yourself at (Medium Substandard or Severe Substandard), please see the questions below:
How many years have you been diagnosed with Leukemia?
Leukemia is a chronic and progressive disease condition and longevity increases the probability of complications to the major organs in the body and the likelihood of poor prognosis.
Have you experienced any symptoms within the last six months?
Symptoms of bruising, severe anemia, weight loss may be flare signs of a relapse. If this is the case, you might get a decline. However, if you are in remission and if more than 5 years have passed, you may qualify for the “Medium Substandard” rating.
You might also be interested in reading “Life Insurance Approval with Seminoma”
Do you have regular check-ups with your oncologist and hematologist?
Regular visit to your doctors is a good sign of control of the condition and may get you a “Medium Substandard” rating. It is, however, necessary for the latest laboratory and diagnostic exams to confirm the absence of a relapse or complications to the liver or spleen.
Have you had any relevant laboratory or diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests are the best ways to assess your actual condition. This may also confirm your compliance with your physician’s management. These findings will be used to evaluate your actual condition such as a routine complete blood count, bone marrow examination or a lmph node biopsy. Other tests may also include bone x-ray, CT scan, MRI or ultrasound.
Do you have a family history of Leukemia?
A family history of leukemia may put you at a higher risk of developing the disease. If there are no symptoms of blood abnormalities yet, you may qualify for the “Medium Substandard” rating.
Do you have environmental or job-related conditions that may put you at a higher risk of developing Leukemia?
Environmental hazards such as chemical exposure or radiation in your job may put you at a higher risk of developing Leukemia.
What is the type and stage of your Leukemia?
The type and stage of your Leukemia will be used by the insurance medical examiner to determine the appropriate rating for you.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Leukemia
Leukemia or leukaemia is a malignant blood disorder that affects both children and adults. It is a type of cancer that also affects the lymphoid system and the bone marrow. This condition results in excessively high white blood cells (WBC) that are called “leukemia cells” and severe anemia in other blood components .
Common signs and symptoms include pale skin, bone marrow abnormality, bleeding, easy bruising, hematoma, easy fatigability, weight loss, loss of appetite, fever and flu-like symptoms, frequent infections. In rare cases, some show growth lesions in the breast, ovary, uterus, lungs, prostate, bone and other body organs. Others also show enlargement of the liver, spleen and lymph nodes.
There are four major types of leukemia: acute myeloid leukemia (AML), acute lymphoblastic leukemia (ALL), chronic myeloid leukemia (CML) and chronic lymphocytic leukemia (CLL).
In adults, the most common type is myeloid Leukemia, which can be extremely slow growing or fataly rapid. These cases are highly malignant and show serious infiltration of cancer cells to the bone marrows, tissues and blood.
Risk factors for leukemia include exposure to ionizing radiation or chemicals such as benzene and smoking. A family history of anemia is also a strong predisposition to the disease.
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