What is cancer?
Cancer is a group of diseases characterized by uncontrolled growth and spread of abnormal cells. External factors such as chemicals, radiation, and viruses, as well as internal factors such as hormones, immune conditions and inherited mutations are known causes. ¹

Can I prevent cancer?
About one-third of cancer deaths that occur in the United States each year are due to poor eating habits. The introduction of healthful diet and exercise practices at any time from childhood to old age can promote good health and probably reduce cancer risk.¹ Emphasize fruits, vegetables and grains, and limit the intake of high-fat foods such as red meats. Be physically active to achieve and maintain a healthy weight. Also, quit smoking and you'll substantially decrease the risk of lung, laryngeal, esophageal, oral, pancreatic, bladder and cervical cancers. Finally, if all Americans participated in regular screening, the five-year survival rate for breast, colon, rectal, cervical, prostate, testicular, tongue, mouth and skin cancer would be 95%. ¹

What are the costs associated with cancer?
There are two basic costs with cancer: 1) medical expenses covered by standard medical insurance such as hospital bills and doctor bills; and 2) nonmedical expenses that will come out of your own pocket. Nonmedical costs include loss of income while you or your spouse are unable to work or are caring for a sick family member. Other costs include transportation, hotels, special diets and family care.

What is supplemental cancer insurance?
If you were to be diagnosed with cancer, you might incur additional out-of-pocket expenses that your hospital or medical insurance won't pay. Supplemental insurance specifically for cancer will help you pay expenses such as deductibles and copayments, costs that most insurance plans require you to pay. It also helps cover you for daily living expenses.

What benefits should I look for in a cancer insurance policy?
Look for an insurance policy that pays benefits regardless of other coverage you have. Premiums shouldn't increase and your cancer benefits shouldn't be reduced because of your age or medical condition. The policy should be renewable for life.