10/12/2023 0 Comments Cancer free quotes![]() TruStage is another good option for guaranteed issue coverage, along with Mutual of Omaha, since you can purchase online and get same-day approval with some policies. But if you’re looking for a traditional whole life policy, you’ll need to look elsewhere. The company scored 801 which was far better than the average of 774. Furthermore, Mutual of Omaha ranked third in J.D. Mutual of Omaha is a reputable insurance company with an A+ (Superior) financial strength rating from AM Best. Plus, you can customize your life insurance policy with a variety of other optional riders. And some plans include a terminal illness, chronic illness, and critical illness rider at no additional cost. With most plans besides the guaranteed issue whole life policy, Mutual of Omaha offers a variety of riders. If you have a low-risk form of cancer, such as basal cell skin cancer or superficial squamous cell cancer, you may even qualify for a preferred plus rate class. If you’ve been in remission for at least five years, you may qualify for one of Mutual of Omaha’s term or universal life insurance policies, but it’s likely that an attending physician’s statement (APS) and medical exam will be required. Note that the guaranteed issue policy has a graded death benefit, which means your beneficiaries will receive a return of premiums (plus 10%) if you die of natural causes during the first two years. ![]() This is one reason it placed first in our review of the best burial insurance companies. Guaranteed issue life insurance does not consider your health when approving your application. You can apply online for coverage up to $25,000, and get an instant decision. If you have a high-risk form of cancer or are currently undergoing treatment, your only option is a guaranteed issue whole life policy. Mutual of Omaha has several options for cancer patients, depending on what you can qualify for.
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