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Qualify for Life Insurance After Illness

IF YOU'VE HAD a serious medical condition, don't assume that life insurers will nip you. Thanks to recent medical advances, flat individuals with some types of cancer can now qualify for life insurance at standard rates.

Last year, Hartford Life Insurance Co started offering policies at standard rates for women who have had breast cancer, and this year it followed up with coverage for men who have had surgery for prostate cancer. In the past, insurers would have discarded applicants with these conditions or required them to wait a small in number years and then pay high rates.

Michael Kalen, executive vice-president of individual life for Hartford, says the company decided a year ago to review its underwriting policies after noting that medical advances had improved patients' survival rates. "We have a team of four doctors upon staff, and we said, find those diseases that have the best chance for


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