Where to find the best quotes for thyroid cancer life insurance
When looking for the lowest rate quotes for thyroid cancer life insurance the number one tip is to use an independent life agent.
Not only do you need to use an independent life insurance agent, but you need to use one that is an expert in the special risk life insurance marketplace.
Quite frankly, most agents don’t like it when an individual has a pre-existing medical condition. Why? Because they don’t have the experience of what the right questions are to ask and what carriers might underwriter favorably.
Only a handful of life insurance companies specialize in thyroid cancer life insurance. You want to go to only those carriers. Otherwise, you are wasting your time.
How to find the companies that underwrite the best
Okay, so now you know that only a few carriers specialize in underwriting individuals with thyroid cancer. And you know you need an independent life insurance agent that represents dozens of carriers who specialize in this condition. Also, you know you need an agent who not only is independent but that has years of experience and knowledge.
Fortunately, you are in luck. You landed on this page. We are experts in finding the most affordable quotes for thyroid life insurance protection. We know how to shop your case and negotiate with the different underwriters to get the best rate.
Steps to take to find the best rates on thyroid cancer life insurance
Okay, so now you are ready to look for term life insurance protection. Below is some of the information that your agent will need in order to go to bat for you.
The more information you provide, the better it is. Life insurance companies have many ways of finding out information, including looking at your medical records and running your name through the medical information bureau.
- Date of birth
- Male or Female
- Any tobacco use in 5 years
- Height/weight
- Amount of Protection needed
- Date Diagnosed
- Type of thryoid cancer diagnosed
- Stage of cancer
- Type of Treatment
- Last date of Treatment
- Any family history of cancer or heart disease before age 60
- Any other major medical history such as diabetes, heart disease, etc.
Now that your agent has some of the information above they can go to work for you in finding the best rates for thyroid cancer life insurance.
Your agent will talk to underwriters and try to get a tentative offer for coverage from several carriers. A tentative offer basically means if after a formal application, medical records, etc. is completed and nothing has dramatically changed the rate tentatively given will be approved as your final rate.
Once your agent has the tentative offers from all the carriers he or she will present to you the best offer. If the tentative offer is acceptable to you then you can move forward with a formal application and requirements.
Why do you want a tentative offer
Quite frankly a tentative offer saves you not only time but money. Why go thru a formal application, exam, ordering your doctors reports, etc. if in the end the carrier is going to decline you for coverage or highly rate you?
Life insurance does you no good if you can’t afford it. And, who wants to spend time filling out dozens of applications until you find a carrier that will accept you?
This is why an experienced agent can help. Most agents quite frankly aren’t familiar with tentative offers for coverage. They simply just have you apply with any old carrier that THEY like and hope you get approved.
Conclusion-
If you are in the market for life insurance and have a history of thyroid cancer, give us a call at 1-888-393-9003 or email mike@specialriskterm.com for a free consultation. We also offer guaranteed issue life coverage.
