Life Insurance After a Breast Cancer Diagnosis 4 Tips for Applying

After feeling a lump in her breast earlier this 12 months, my spouse, Julie, who’s 35, had a 3-D mammogram. The radiologist reviewed the outcomes along with her and scheduled a biopsy for the next week.

That’s when we came upon that she had high-grade ductal carcinoma in situ with microinvasion. In layman’s phrases, she had an aggressive type of most cancers within the milk ducts that had simply begun to unfold. Because it was high-grade, there was the next threat of it coming again after therapy.

This was tough for us to listen to. We have now a younger son and have been making an attempt to get pregnant once more. Clearly, we wanted to step again and rethink our plans for the longer term.

After speaking with the surgeon and since there’s a household historical past of breast most cancers, Julie determined to have a double mastectomy. It appeared the most secure path ahead.

As I write this put up, she’s had the surgical procedure, in addition to the primary of three reconstructive surgical procedures, and she or he’s present process a six-week course of radiation remedy. She gained’t want chemo, fortunately.

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As difficult as all of this has been, we’re very lucky that we’ve each had life insurance coverage for a few years. Whereas we’re optimistic concerning the long-term consequence, we’re additionally grateful for the peace of thoughts this safety offers us.

How Breast Most cancers Levels Have an effect on Eligibility 

Julie and I personal a life insurance coverage enterprise, and on daily basis we discuss with people who find themselves looking for protection after receiving a most cancers analysis. Sadly, most are thought of “uninsurable,” at the least for a couple of years.

Within the case of breast most cancers, if in case you have an early-stage kind, you might have to attend wherever from a number of months to 10 years after therapy earlier than you may get life insurance coverage. After which, you’ll almost certainly need to pay extra to your protection for some time. Whenever you’ve been cancer-free for 5 years or so, you could qualify for a price discount.

You probably have stage Three breast most cancers, it might be 10 to 15 years earlier than you’re eligible for protection, and it’ll value you extra all through the coverage. With stage Four breast most cancers, you’re restricted to assured concern insurance coverage, which maxes out at $40,000, or closing expense insurance coverage.

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Making use of for Insurance coverage After a Breast Most cancers Prognosis

The next suggestions will help you navigate getting life insurance coverage protection after breast most cancers.

1. Notice that your case is exclusive. Not all insurance coverage corporations will take a look at you and your analysis the identical means. As a result of breast most cancers entails so many components (e.g., tumor measurement, location, invasiveness), corporations sometimes deal with functions on a case-by-case foundation.

2. Don’t go it alone. Whenever you had been identified, you talked with consultants that can assist you navigate your journey. Equally, relating to getting life insurance coverage after breast most cancers, work with an agent who has expertise on this space. It’s their job to seek out you the most effective protection for the most effective worth—one that matches your price range. And know that speaking with an insurance coverage agent is at all times free.

3. Give your pathology report back to your agent. Insurance coverage corporations provide a variety of costs for his or her insurance policies. Together with your pathology report, an agent can ship your case to a number of insurance coverage corporations on the similar time and ask for a “quick quote” to see whether or not the corporate will provide insurance coverage and, if that’s the case, at what (estimated) worth.

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4. Get as a lot protection as you possibly can afford. If it’s in your price range, get a time period life insurance coverage coverage for the utmost quantity the insurance coverage firm will give you, and get a long-term coverage of 20 or 30 years. Though it’s dearer to get protection once you’ve had breast most cancers, it’ll be well worth the funding to guard these you’re keen on and to have peace of thoughts whilst you’re elevating a household.

Bear in mind, when you’ve had breast most cancers, discuss with an insurance coverage agent to see what your choices are. A good, skilled agent ought to have the option that can assist you. Julie and I hope that we’ve been of assist as effectively.

42 thoughts on “Life Insurance After a Breast Cancer Diagnosis 4 Tips for Applying

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  3. Would you allow your government to place a microchip in your body?

    Did you know that is the future we are approaching with RFID Microchip technology?

    Even more importantly, did you know there was a man almost 2000 years ago who prophesied of a cashless society in the last days? This mans name is Jesus.

    Did you know that this RFID Microchip matches perfectly with the Mark of the Beast in Revelation 13:16-18?

    “He(the false prophet) causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666” (Revelation 13:16-18).

    Referring to the end times, this could only be speaking of a cashless money society, which we have yet to see, but are moving towards. Otherwise we could still buy or sell without the mark among others if physical money was still currency. This mark could not be spiritual, because the word references two distinct physical locations on the human body. If it was spiritual, it would just say in the forehead.

    Mr. Carl Sanders sat in seventeen New World Order meetings with heads of state officials such as Henry Kissinger and Bob Gates of the C.I.A. to discuss plans on how to bring about this one-world system. The US government commissioned Carl Sanders to design a microchip for identifying and controlling the peoples of the world-a microchip that could be inserted under the skin with a hypodermic needle(a quick, convenient process that would be gradually accepted by society).

    Mr. Sanders, with a team of engineers behind him, with U.S. grant monies supplied by US tax dollars, took on this challenge and designed a microchip that is powered by a lithium battery, rechargeable through the temperature fluctuations in our skin. Without having knowledge of the Bible(Brother Sanders was not a follower of Christ at the time), these engineers spent one-and-a-half-million dollars doing research on the best and most convenient place to have the microchip placed under the skin.

    These researchers discovered that the forehead and the back of the hand(the two locations Revelation says the mark will go) are not just the most convenient places, but are also the only viable spots for rapid, consistent temperature fluctuations in the skin to recharge the lithium battery. The microchip is approximately seven millimeters in length, .75 millimeters in diameter, about the size of a grain of rice. It is capable of holding pages upon pages of information about you. All your general history, work history, crime record, health history, and financial data can be stored on this chip.

    Mr. Sanders believes that this chip, which he regretfully helped design, is the “mark” spoken about in Revelation 13:16-18. The original Greek word for “mark” is “charagma,” which means a “scratch or etching.” It is also interesting to note that the number 666 is a word in the original Greek language. The word is “chi xi stigma,” with the last part, “stigma,” also meaning “to stick or prick. Carl believes this is referring to the use of a hypodermic needle being poked into the human flesh to insert the microchip.”

    Brother Sanders asked a doctor what would occur if the lithium contained within the RFID microchip leaked into the body. The doctor answered by saying a terrible sore would appear in that location. This is what the book of Revelation has to say:

    “And the first(Angel) went, and poured out his vial on the earth; and there fell a noisome and grievous sore on the men which had the mark of the beast, and on them which worshipped his image” (Revelation 16:2).

    The Bible tells us we cannot buy or sell without the mark of the beast, or the number of its name. This number is identified as 666. The Bible tells us to calculate the number 666.

    In this world we are identified by numbers, whether it is our social security number, drivers license, or cards used to make payments. The number of the beast represents something like this, to identify us in a one world government system. This number will be contained within the microchip to identify each and every one of us so we may buy or sell.

    The Bible warns us in the last days that a false prophet will rise up doing miracles to deceive many to take this mark. At all costs, do not take it!

    “Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name” (Revelation 14:9-11).

    Out of all the world religions, how can we be sure the Bible got it right? The scientific data has established and continues to support that the universe once had a beginning in which space, time and matter were created. This is known as the big bang.

    “The non-biblical religions tell us that god or god’s create within space and time that eternally exist. The Bible stands alone and says that time and space don’t exist until God creates the universe.” – Hugh Ross

    Did you know that the real Noah’s Ark was discovered where the Bible told us it would be with the correct dimensions? As well as hard evidence for the destruction of Sodom Gomorrah and the Exodus account of the Red Sea crossing?

    “And He(Jesus) said to me(Apostle John), “It is done! I am the Alpha and the Omega, the Beginning and the End. I will give of the fountain of the water of life freely to him who thirsts” (Revelation 21:6).

    “Jesus answered and said to her, “Whoever drinks of this water will thirst again, but whoever drinks of the water(the Holy Spirit) that I shall give him will never thirst. But the water that I shall give him will become in him a fountain of water springing up into everlasting life” (John 4:13-14).

    “Jesus answered, “Most assuredly, I say to you, unless one is born of water and the Spirit, he cannot enter the kingdom of God. That which is born of the flesh is flesh, and that which is born of the Spirit is spirit. Do not marvel that I said to you, ‘You must be born again.’ (John 3:5-6).

    All religion is man-made. Man can create religion, but no one can create the Holy Spirit that comes from God out of Heaven. Jesus never told us to follow a religion or denomination:

    “Then He(Jesus) said to them all, “If anyone desires to come after Me, let him deny himself, and take up his cross daily, and follow Me” (Luke 9:23).

    You can receive the Spirit of God right now. If you are willing to humble yourself before the Lord, and believe in your heart that God raised Him from the dead on the third day; call out to God and ask Him to forgive your sins, to receive His Holy Spirit. If you are genuine, He is faithful and just to forgive, and He will give you a new heart, a renewing of the mind, restoring everything the devil has stolen from you; making you like a child again, through the sanctification of the Spirit.

    When we receive the Spirit of God, we become born from above, and His seed resides within us. We no longer make a practice of sin, but rather turn away from unrighteousness and receive the righteousness of Christ.

    From that point onward, we must put all our hope and trust in Jesus, and grow to walk in His ways, not straying from the narrow path. For Jesus says,

    “Enter by the narrow gate; for wide is the gate and broad is the way that leads to destruction, and there are many who go in by it. Because narrow is the gate and difficult is the way which leads to life, and there are few who find it” (Matthew 7:13-14).

    “Holy, holy, holy, Lord God Almighty(One God), Who was(Jesus) and is(YHWH) and is to come(Jesus)!” (Revelation 4:8).

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