Nice post indeed.Thanks for share it along with us.

Well I think it is not that easy for people who have cancer issues with the health. Almost all companies will dine to give them an insurance protection but there is also an Insurance plan provide by some insurance companies call Non medical life insurance. This plan with helps those people who have been dined in the past or they have some serious heath issues right now or they don't have enough time for full medical exams.

Most insurers will not offer a insurance policy to someone who is still undergoing treatment for cancer. So for better understand, you should consult with an insurance agent.

Yes, it is possible to get the insurance for those who have cancer. However, not all are given the chance or granted. Some insurance companies have their own basis on allowing persons with cancer depending on the stage of disease or condition.

Hi there,
Your father will have great difficulty in obtaining an insurance policy from a reputable company. First of all, if he has cancer, most companies will not go forward with any form of underwriting until he has been cancer free for at least 48 months. After this time period, the company would ask to do a full medical to prove that he is otherwise healthy. Based on his age, smoking status and the amount of insurance being applied for, the medical will include a blood and urine profile, as well as an Attending Physician's Statement. They could in addition ask for other medical testing such as an ECG.

Second of all, he will no doubt be paying a substantial amount more for his premiums then an otherwise healthy male of the same age. This being said, it may be more in your favor to start a guaranteed savings plan to pay for final expenses (e.g., GIC's or and accumulating annuity).
Lastly, to obtain life insurance on another individual, you must have insurable interest (which as his daughter you do), as well as he will have to sign the policy application as consent to the necessary medical testing.
I hope this helps. If you have further questions, feel free to let me know.
-Monika

These are questions that you should be asking a Life Insurance agent. But I think you know the answers before you ask the questions. A snowball would have a better chance of surviving in Hell than your father would have in obtaining a life insurance policy with his pre-existing medical problem. If on the oft-chance that an insurance company would write a policy, the premium would be so high that it would be prohibitive and totally unaffordable. I suppose that anything or any one can be insured, but at what price. Suppose that I wanted to race my car in a major stock car race. What's the chance of me getting collision insurance from an insurance company? NIL

While I am not a life insurance expert, it is my understanding that for you to insure another person's life, you must have an insurable interest in the insured. That means, you will suffer a financial hardship or setback when the insured passes away. That is why a husband will insure his wife's life and vice-versa. Or a parent will insure the life of a child so that if a child dies prematurely, the parent will have sufficient funds to cover funeral and burial expenses.

Hi all, I have a very important question in which I need answers or advice on.

First of all my father lives in Newfoundland and for the past year or so has been fighting stage 4 lung cancer. He recently had all the radiation, kemo treatments and most recently two huge operations. For now he is recovering very well.

Secondly after asking him if he has life insurance, he said that he has none and thinks it is a waste of money.

Since I am headed to Afghanistan in a couple of months and if for some reason he takes a turn for the worse when I am away, I would like for the rest of my family members to be able to handle all the bills and expenses without worry.

My questions are as follows.

Can you get life insurance for someone who already has cancer?

Can you get it for that person without his/her knowledge, or consent and still have him/her covered?

How much someone be expecting to pay if a person gets accepted for life insurance with something like cancer?

What company offers this insurance?

Thanks in advance,