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Updated
With announcements by the National Brain Tumor Society from early 2019 about adaptive treatment research and new medicines available, it’s clear that care for brain tumors is ever evolving. Because each case is unique, your eligibility for life insurance and potential costs largely depend on the specifics of your condition and the provider you’re applying with.
Yes, you can find life insurance if you have a benign brain tumor, or if you’ve had one removed in the past. How it’s factored into your application may vary, but typically insurers will take one of four actions:
Your first step will be to talk with the provider about why you were denied coverage. Having a loved one help with this conversation may make it easier to parse the reasoning later on, and make it easier to research next steps.
Next, continue to compare providers. The direct competition of the insurer that denied you coverage are likely going to do the same, so you may want to steer away from them.
An independent insurance agent who specializes in finding policies for those who are considered high risk may ease the burden of researching providers. You’ll likely be able to choose from a number of policies based on your health profile and insurance needs.
Some group plans may include pre-existing medical conditions. So even if you weren’t signed up before your diagnosis, you still may be eligible for coverage.
Read the policy carefully to see what exactly is covered to avoid surprises down the road.
This option may take a little extra time and effort on your part. You can, however, contact providers directly and ask about policy details and the types of plans offered.
You’ll find that the information required is different between providers, but typically you’ll need to provide information relevant to your specific condition.
Yes, there are policies available that don’t require a medical exam. These policies typically come at a higher cost, and may have other requirements you must meet — such as minimum age.
The tradeoff for not having to take a medical exam is higher premiums and less coverage than you’d find with a traditional policy. You may also need to meet a required minimum age in order to qualify.
A simplified life insurance plan can usually be applied for online or over the phone. A medical questionnaire may still be included, even though it doesn’t require a full exam.
Finding life insurance when you’ve been diagnosed with a benign brain tumor can be difficult, but not impossible. Take your time and compare different life insurance providers to find the policy that fits you best — both in coverage and price.
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