Life Insurance with Non-Hodgkin’s Lymphoma
Looking for an Affordable Policy?
Although it is a serious condition, it is possible to get life insurance with non-Hodgkin’s lymphoma if you are in remission or cured and meet certain other conditions. Many who have suffered from this cancer do not believe that they can qualify for any life insurance policy. However, today there are many people who have suffered from non-Hodgkin’s lymphoma and have life insurance which protects their loved ones from financial peril in case the worst should happen to them.
What is Non-Hodgkin’s Lymphoma?
There are two types of cancer that affect the lymphatic system in your body, Hodgkin and non-Hodgkin which both compromise your immune system. This means that the cells in your lymphatic system become cancerous and start to spread throughout the body. Those with Hodgkin’s lymphoma have certain cells that are usually found in younger people and has a higher cure rate overall.
Non-Hodgkin’s lymphoma generally affects older people, has increased in frequency over the past several decades, and includes a group of over thirty known types of cancer. This cancer tends to be more aggressive and more difficult to cure because of the different types that are involved. However, the symptoms for both types are mostly similar and include the following;
- Loss of Weight, Appetite, and Persistent Fatigue
- Fever, Chills, and Night Sweats
- Swollen Lymph Nodes in the Armpits, Neck, and Groin
- Itching, Increased Sensitivity to Alcohol or Pain in Lymph Nodes after Alcohol Consumption
Depending on the severity of cancer and its progression, it will determine the risk it presents to your health. However, when caught in the early stages, even non-Hodgkin’s lymphoma is treatable and for most, survivable.
How to Get Life Insurance with Non-Hodgkin’s Lymphoma?
If you have been diagnosed or the cancer is still growing, you will be denied coverage unless you choose an expensive guaranteed policy. Otherwise, you can start to qualify for life insurance about three years after your last successful treatment or have been free of cancer for at least three years. There are different waiting periods, so you will need to consult with the insurance company as you fill out the application.
Factors that contribute your successful application include age, stage and grade of cancer at its peak, and your overall health. So, younger, healthy people who had cancer caught and cured in the early stages will pay less compared to older people who experienced a higher stage of cancer. Keep in mind that the longer you have been free of cancer, the lower the rates you will pay. If you wait long enough, you may fall into the standard category and your rates will be like those who have not had cancer.
Getting affordable life insurance with non-Hodgkin’s lymphoma is not only possible, but many people have purchased policies at reasonable rates. You will need to be honest with the life insurance company by presenting all medical records which will help determine your qualifications and upon approval, the rates that you will pay for coverage.