Breast Cancer Awareness Month: Getting Insured as a Survivor

October is breast cancer awareness month and it’s a time to reflect on and spread more awareness both for the illness and the women whose lives have been affected by it. As the most common cancer among Canadian women, breast cancer awareness month is the perfect opportunity to get tested if your family has a history of the illness or if you feel concerned.

Even women who have survived their battle with breast cancer tend to worry about different aspects of their life afterward. One of these worries is often the fear of being rejected for life insurance coverage. Today we’re are shedding some light on this fear to let women know that you can be covered as a breast cancer survivor.

Being Ready to Get Tested

Before we dive into getting insured, we feel it’s important to make sure women know what to do when looking to get tested. Firstly, self-exams are helpful but don’t forget to follow screening guidelines set out by your doctor and organizations like the Canadian Cancer Society. A mammography screening is one of the most reliable methods of breast cancer detection which makes it a good place to start if you are looking to be screened.

It’s important to note that breast cancer can affect anyone. No matter how healthy of a lifestyle you lead, you can still be stricken with the illness. But that doesn’t mean you shouldn’t strive to live better. By taking the time to exercise, eat right, and cut out bad habits, you can still cut down on your risk of developing breast cancer.

What Insurers are Looking For

The two most basic pieces of information an insurance company is going to want to know is: if you’ve followed your treatment strategy completely when you were diagnosed and whether or not you are regularly following up with your physician now.

Insurers will also look at aspects like your age at diagnosis, the size of your tumor, the grade of your cancer when you were diagnosed, and the length of time since you were diagnosed and when you were cleared. Any relevant factors, like the ones above, that pertain to your illness and recovery will influence your chances of getting insured.

What You Can Do

Applying for life insurance as a breast cancer survivor means collecting information that will help make the process easier for you. Your agent will help you find an affordable plan that works for your needs, but only if you provide him or her the proper pieces of information.

Keep your doctors contact information at hand. This means making sure his or her phone number, email, and address are up-to-date in case he or she needs to be reached for any clarification during the application process.

Your doctor should also have copies of all your medical documentation including the treatments you received, any pathology reports, and any follow-up meetings you went to. Get as much of this information as possible beforehand so you can be prepared as you apply for coverage.

Any prescriptions and their dosages should also be recorded along with which types of treatments you’ve received. This information will show the insurer that you were taking the recommended medication for the prescribed timeframe and in turn, show that you were taking active steps to recover.

Brokerages Can Help

As a breast cancer survivor is best to keep your insurance options are open as possible. By going with one company, you can really limit your chances of getting the right plan you are looking for. A brokerage will shop the market for you and compare plans and quotes from multiple insurers to find you the most affordable plan that fits your needs.

Your agent will work for you, not a specific insurance provider. He or she will use the information you provide and make sure that you get a plan that is tailored to you. It’s not uncommon for breast cancer survivors to find coverage today, in fact, it happens more often than you may think. Use a brokerage and talk to your agent, they are there to help you and work for you.

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