Cancer product

[HomeService]

Here in TX: Citizens, Physicians Mutual, UA, Conseco, Family Heritage, AGLA, Colonial, Liberty National, Southwest Service Life, just to name a few. Plenty of them are out there... not saying you would want to write them with all these companies, nor am I saying they are available in all states, just sayin' there are plenty.

 

[hodaka1974]

I am looking to pick a carrier that offers a good cancer product any suggestions?

AFLAC has a uber cancer policy. Plus AFLAC will take people that have had cancer in the past. The way that works is this: if a person had cancer and has been cancer free for 5 years, they are accepted. For breast cancer they have to been cancer free for 2 years. A real plus here is the experimental treatment benefit, $300 per day up 365 days.
I do not know of any other cancer plan that offers that!!! oh and 1 more is the reconstructive surgery benefit $300-$3000, here to I do not know of any other cancer plan that offers this benefit....

Remember AFLAC was the first to have a cancer policy, all othres are copy cats.

 

[hodaka1974]

Cancer is a "demand" product . . . more so than disability and even more so than life.

I think a lot of agents offer the product as a cash cow. I can see some benefit, especially if one lacks DI cover, but given the low payout of these products (40-50% loss ratio) I fail to see how they can be of value.

Ah what??? you fail to see how they can be of value??? ever know any one with cancer??

 

[STIBROKER]

Ah what??? you fail to see how they can be of value??? ever know any one with cancer??

have you is a better question......

 

[bobson]

Ah what??? you fail to see how they can be of value??? ever know any one with cancer??

Yes, but I've also known people that have fallen off scaffolding, suffered a massive heart attack, a stroke, ALS, MS, etc. that a cancer plan doesn't help with. I think the point is a stand alone cancer plan should be way down the list of insurance purchases. By the time you'd get there I'd assume all your insurance purchasing money would spent.

 

[somarco]

A better option would be to buy a HDHP and fully fund the HSA. You will never have need for a cancer plan, a heart attack plan, a stroke plan, a fell off the scaffolding plan, a my lovers husband shot me plan. . . .

 

[Chkndinner14]

Now we're getting somewhere, good last two posts.

 

[rapidrobert]

1 in 4 people don't "fall off of scaffolding" and cancer insurance costs next to nothing compared to an HSA. So I guess there's your difference.

 

[moonlightandmargaritas]

I am looking to pick a carrier that offers a good cancer product any suggestions?

How 'bout that "nice Christian company" that you riffed about before - no cancer policy?

 

[moonlightandmargaritas]

A better option would be to buy a HDHP and fully fund the HSA. You will never have need for a cancer plan, a heart attack plan, a stroke plan, a fell off the scaffolding plan, a my lovers husband shot me plan. . . .

Or maybe put the money towards some "real" disability insurance?

Who shot you?