Breast Cancer Survivors Life Insurance Underwriting:
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If you have had breast cancer, let us help you get the life insurance you need. We take the time to understand your breast cancer from a life insurance underwriting standpoint and know how to get you life insurance if you have had breast cancer.
We'll work with you to get you the most competitive term life insurance rates available based on your individual cancer history. We know the right questions to ask you, and know which impaired risk life insurance companies to go to based on your individual health history. Let us help you.
Overview:
If you have had Stage Zero breast cancer, Stage 1 breast cancer, or Stage 2 breast cancer, we may be able to help you get the life insurance you need.
While life insurance underwriting for breast cancer is complicated, we can help you. Every breast cancer history is unique, but there are some common things that life insurance underwriters look for when underwriting you for life insurance if you had Stage Zero breeast cancer, stage 1 breast cancer, or stage 2 breast cancer. Generally speaking, impaired risk life insurance companies look at your breast cancer history, your treatment, and the period of time that has passed since you completed your breast cancer treatment.
Many impaired risk life insurance companies will postpone offering life insurance coverage to you for a period of time after you have completed breast cancer treatment. The postponement period varies by life insurance company, the type of breast cancer you had, and the breast cancer treatment you received. We know which impaired risk life insurance companies will give you the best rate for life insurance based on your breast cancer history.
Flat Extra - A Flat extra is an additional cost that some life insurance companies will add to the cost of your life insurance. Flat extras are usually temporary charges that will last for a period of years and then end. It is extremely important to note that Flat Extras vary by life insurance companies and the duration you will have to pay the flat extra!
Important note - It pays to shop your information out on an annual basis because your life insurance rates may improve each year and we can help you do that. This is especially true if a life insurance company has added a flat extra charge to the cost of your life insurance. The further out you are from completion of treatment, the more competitive the life insurance underwriting. Sometimes it will make sense to write you with a number of life insurance companies over a period of time so that you get the best life insurance rates possible...we'll explain this to you...Remember, we work for you not the life insurance companies..We want to get you the best possible price for your life insurance.
General Breast Cancer Life Insurance Underwriting Questions:
We have the knowledge and expertise to help you get the life insurance you need. We continually add life insurance underwriting information on a regular basis so check back often.
With breast cancer, life insurance underwriters want to know:
- What type of breast cancer did you have?
- When were you diagnosed with breast cancer?
- What Stage was the breast cancer? We can help if stage 0, stage 1, or stage 2 breast cancers
- Size of tumor?
- Were lymph nodes involved?
- Did cancer metastisize?
- What type of treatment, surgery did you go through?
- When did you start and finish breast cancer treatment?
- How much time has passed since breast cancer treatment ended?
- Have you had any breast cancer relapses?
- What medications do you take?
There are many life insurance companies out there. We'll make sure you get to the right life insurance company.
Important to note is that not all life insurance companies do a good job underwriting breast cancer survivors. You need to get to the right life insurance company in order to get the best life insurance rates possible. We can help. We know which life insurance companies to go to.
With breast cancer survivors life insurance, many life insurance companies will postpone you from getting life insurance for a period of time from the date of final treatment of your breast cancer.
Some of the Specifics that impaired risk life insurance companies look for when underwriting breast cancer survivors are the following: (keep in mind that these are general guidelines)
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Stage - Was the cancer Stage Zero, Stage I or Stage II breast cancer?
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Tumor Size - Was the tumor less than or greater than 2 cm? Was there more than 1 tumor?
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Lymph Nodes - Were lymph nodes involved? If yes, how many lymph nodes were involved and where were lymph nodes located?
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Metastasis - any evidence of metastasis? If yes, was it a single or mulitple metastatic lesions?
Stage Zero - Stage Zero, or in-situ breast cancers. It may be possible to obtain coverage within the first year of completion of treatment which would typically be a minimum of a lumpectomy plus radiation, or mastectomy. When available, life insurance rates would start at the "standard" rate plus a flat extra of $5 - $7.50 per every thousand dollars of coverage..See above for more information on flat extras and how they work.
Stage I - If you had a stage 1 breast cancer, tumor size may be between 0.5cm - 2.0 cm. With no lymph node involvement and lumpectomy/radiation or mastectomy/radiation, impaired risk life insurance underwriters will look at your age at diagnosis. Coverage availability is dependent on when you completed all treatment. Depending on your age, most life insurance companies will decline you for the first 1-5 years after completion of treatment, and then make coverage available to you at the "standard" rate with an additional flat extra charge.
Stage II - There are a few impaired risk life insurance companies that may consider you for life insurance if you have had Stage II breast cancer. The availability of coverage depends on the size of the tumor and if lymph nodes are involved. Generally speaking, if tumor size was greater than 2cm and no lymph nodes involved, OR less than 2cm with 1-2 lymph nodes involved, we may be able to help you get life insurance.
I can't stress enough that these are very general guidelines, and it is in your best interest for us to have a conversation to discuss specifics. We can discuss on the phone, or email questions/answers if you like...whichever you prefer is ok with us. Take a few moments to complete our questionnaire or call us at Toll Free 800-909-2040 to discuss. Thank you.
At LifeInsuranceAdvisors.com, our service is a no pressure, no obligation service. We'll give you the information you need to make an informed decision about your life insurance. Thank you.
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The information contained on this website is meant to inform you about how medical issues affect your life insurance rates. This information is not meant to replace your physician's advice. Always consult your physician for medical advice.
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