Having pre-existing conditions is a major factor when applying for life insurance.
Having a pre-existing condition can significantly lower your chances of qualifying for life insurance or eliminate them altogether.
Insurance companies pay special attention to the death rate and the life span of those who have the disease. Also, the way the condition was treated and how long the treatments occurred are also an important factor. For people who have Hodgkin’s Lymphoma, their chances of getting life insurance may be particularly low depending on the progress of the disease. The chance for the applicant getting life insurance greatly varies case by case. The type of lymphoma, be it non-Hodgkin’s Lymphoma or Hodgkin’s Lymphoma makes a difference as well.
Hodgkin’s Lymphoma is a cancer that affects the body’s lymphatic system. As a result of the disease, the cells in the lymphatic system grow irregularly and spread beyond the bounds of the lymphatic system. Because of this, the body’s ability to fight infection is gradually weakened. There are two types of lymphoma; Hodgkin’s and non-Hodgkin’s. The latter is more common that former. Right now, the causes for the disease are not known, but it is known that people who have HIV are at higher risk for contracting the disease than others. Given the advances in technology, the chances for people who have these conditions have risen greatly over the years. In fact, it is considered to be one of the most curable forms of cancer. Most patients have a 90% chance of surviving if the treatments are initially successful. Because of this, some patients will have better chances of getting life insurance with Hodgkin’s Lymphoma.
Hodgkin’s Lymphoma is apparently easier to write than non-Hodgkin’s Lymphoma. It is treated with chemotherapy and/or radiation therapy. Most patients who get treated for the disease live long, healthy lives after treatment. Smokers are at a much higher risk for getting Hodgkin’s Lymphoma. The survival rate for non-Hodgkin’s Lymphoma is lower than with Hodgkin’s Lymphoma. Therefore, getting insurance with Hodgkin’s Lymphoma is actually much more difficult. The five year rate of survival is only sixty-three percent.
When you applying for life insurance with Hodgkin’s Lymphoma, several factors will be taking into the consideration: the stage and type of cancer, the type of medications taken and how long they have been taken, and all treatments that have been received in great detail. This includes the timeframe of the treatments, the amount of radiation and when the radiation occurred, as well as any general comments from the doctor. The date of the last treatment will be considered and not the date of diagnosis. If the lymphoma has begun to infiltrate the lymphatic system, the case will most likely not get accepted. If you wish to get life insurance with Hodgkin’s Lymphoma, consult an insurance agent to discuss your options. You will have a better chance if the lymphoma has been in remission and has not reappeared for a number of years. It is not impossible to get life insurance with Hodgkin’s Lymphoma, but it will certainly be more difficult. Make sure to shop around to different insurance companies to see all of the different rates and to choose the best option.