If you have Hodgkin’s Lymphoma or Non-Hodgkin’s Lymphoma you may be worried about your life insurance eligibility. You’re right to worry; with a pre-existing condition like lymphoma, it may be harder to get life insurance. However, lymphoma doesn’t totally disqualify you for life insurance. Keep reading to know how to get the best life insurance with lymphoma.
What is Lymphoma?
Lymphoma is a type of cancer. It starts by attacking your immune system, or your lymphocytes. There are two types of lymphoma: Hodgkin’s and Non-Hodgkin’s.
What is the difference between Hodgkin and Non-Hodgkin Lymphoma?
Both of these diseases are attacks on the white blood cells, but they are slightly different – something important mostly in the way it’s treated by the doctor.
It is usually easier to diagnose and treat Hodgkin lymphoma because it is more orderly in the way it progresses – a doctor can more easily predict the spread. However, non-Hodgkin lymphoma is harder to predict, and even harder to diagnose. Unfortunately, this means patients with non-Hodgkin lymphoma are usually diagnosed at a later stage. Of the two diseases, non-Hodgkin’s is much more common in America.
Can I get Life insurance with Hodgkin’s Lymphoma or Non-Hodgkin’s Lymphoma?
If you have been recently diagnosed with either lymphoma or are in the process of receiving treatment, then you will almost certainly be denied life insurance policies that require medical information.
When will I be eligible for life insurance?
Being eligible for life insurance depends on a few things:
- When were you diagnosed?
- Have you gone through treatment?
- What is your doctor’s prognosis?
Typically, if you have been successfully treated for early Hodgkin’s lymphoma, then you will be eligible for most life insurance policies only after 1 year so long as you stay cancer-free.
If you have had any other kind of lymphoma, then you will have to wait 3 years before you are eligible for a life insurance policy.
Of course, these are just averages – every life insurance company has its own policy and own waiting periods for lymphoma patients.
How else can I qualify for a life insurance policy with lymphoma?
If you have Hodgkin’s or Non-Hodgkin’s disease and still want life insurance, then one fool-proof way to get it is to apply for a guaranteed issue life insurance policy. Sure, the face amount won’t be as high, but at least it will provide some financial security for your family and loved ones when you pass away.
Which life insurance companies will cover someone with lymphoma?
Not all life insurance companies will underwrite a life insurance policy for someone who had lymphoma, even if they have successfully undergone treatment and a waiting period has occurred. So, as a lymphoma patient, how can you find the life insurance company that will offer you life insurance coverage? Call TermLife2Go.
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