New drug inhibits cancer cell growth
A new compound starves the growth of cancer cells. Future anti-tumor drug for the future likely.
Today cancer and critical illness insurance are often combined into one policy. You get to pick one or the other. That can be a significant advantage to you.
Choice is often an advantage. But, it can also give you pause. Which option is better? What should I do. We provide the following information to help make your decision a little easier.
How do you decide when the insurance policy offers both a cancer-only as well as a critical illness insurance option?
Here’s why you might choose the cancer-only option.
Firstly, in your 40s and 50s cancer is generally the bigger risk you face. A cancer diagnosis is more likely to occur than a heart attack or stroke. The same is true even in your early 60s.
Secondly cancer accounts for between 50% and 64% of all claims by those who purchased critical illness insurance policies. See the latest critical illness insurance claims information reported by the Association.
Thirdly, cancer insurance is far less costly. A good cancer-only policy is generally about one-third of the cost of a comprehensive ci insurance policy.
Finally, there’s a planning option never suggested to consumers. Buy a modest cancer-only policy in your 40s. That locks in your insurability. In your 50s, buy a critical illness insurance policy. Keep both or drop the cancer-only (once you have been health approved).
Costs for insurance policies can vary significantly. That’s why it always pays to compare. Click the FREE QUOTE button on the Advertisement to see quotes for BOTH cancer-only and critical illness insurance plans.
Unquestionably the advantage of a critical illness insurance policy is the fact that it will pay for many different illnesses. In addition to cancer, these policies generally pay benefits following a heart attack or stroke.
Here’s why you might chose the full or comprehensive critical illness insurance plan.
Firstly, heart attacks and strokes start to become a greater risk in your 60s. If you are in your 50s, having more comprehensive coverage makes sense.
Secondly you may be self-employed and have a high deductible health insurance plan. A modest, low-cost ci insurance plan can augment those uncovered health care expenses.
Finally, maybe you have been paying for life insurance and only now realize your risk of dying between now and age 70 is far less than your risk of an illness that can financially impact you and loved ones.
What’s your risk of cancer at various ages? Read Age and Cancer Risk published by Division of Cancer Prevention and Control at the National Center for Chronic Disease Prevention and Health Promotion, CDC.
The American Heart Association shares your risk of heart disease by age.
Firstly use the Cost Calculator on this page to get instant costs for $10,000 of cancer only insurance.
Secondly if your employer offers group critical illness insurance compare to policies offered directly by insurers.
Thirdly if you do not use tobacco products seek out a policy that offers discounted rates for non-smokers.
Finally risks vary for men and women. Thus rates for insurance should vary and it is important always to compare.
A new compound starves the growth of cancer cells. Future anti-tumor drug for the future likely.
Better cardiovascular health in midlife can reduce dementia risk later in life.
Adults with the healthiest sleep patterns had a 42 percent lower risk of heart failure.
The Association advocates for the importance of planning and supports insurance professionals who market critical illness and cancer insurance.
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Your age, sex and use of tobacco helps to determine your estimated rate for this insurance coverage. We want to provide as accurate a number as possible.