Frequently Asked Questions
What if I have already had cancer?
If you have been treatment free more than 5 years and less than 10 years you can apply for Plan I without the Cancer Diagnosis Benefit Rider, subject to a physician’s report.
If you have been treatment free for 10 years or more you can apply for Plan I, II, III without the Cancer Diagnosis Benefit Rider.
Applicants with a history of the following cancers are not insurable regardless of the date of diagnosis:
- Lung or bronchi
- Bone marrow
- Liver sarcoma
- Kaposi’s sarcoma
- Stage III and IV melanoma
- Brain or central nervous system
- Giant cell carcinoma
- Wilms' tumor
- Squamous or basal cell skin cancer
How do I know which plan to take?
This is a personal choice decided by taking your family history into account and knowing that nobody can predict what the future holds regardless of family history.
Do I get money back each year even if I never get cancer?
Yes, the cancer plan has a Wellness Benefit. Each person on the policy receives $75 per calendar year for taking the following Preventive Cancer Screening Tests:
- CEA (blood test for colon cancer)
- Pap smear
- Hemocult stool analysis
- PSA (blood test for prostate cancer)
- CA125 (blood test for ovarian cancer)
- Flexible sigmoidoscopy
- Chest X-ray
And any diagnostic procedure that can lead to the positive diagnosis of cancer.
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