Life Insurance with Cervical Cancer

by Jeff Rose on September 17, 2013 · 0 comments

Life Insurance with Cervical Cancer Cervical cancer is a serious disease and one that will affect your ability to get life insurance. However, many people that have recovered from cervical cancer still have been able to qualify for life insurance and it’s possible that so can you.

Your insurability really depends on a number of factors including the severity of your cervical cancer. To give you an idea what to expect when you apply, we’ve put together a guide to the life insurance underwriting standards for cervical cancer.

Life Insurance Underwriting for Cervical Cancer

When you apply for life insurance after being treated for cervical cancer, you’ll need to answer a number of questions about your condition. Expect to answer:

  • When were you diagnosed with cervical cancer?
  • What stage cancer did you have?
  • What treatments did you receive for your cancer?
  • When did you complete your treatments for cervical cancer?
  • Have there been any recurrences?
  • Do you smoke or have any other health problems?

It’s important to answer every question on your application honestly and in complete detail. Insurance underwriters will closely examine your application. If it appears to be missing information, they could get nervous and your chances of receiving a policy will fall dramatically.

Getting Quotes for Life Insurance with Cervical Cancer

When you have cervical cancer, insurance companies will base your rating on a few different factors. The most important factor will be how serious was your cancer. Underwriters will consider the stage of your cervical cancer as well as whether it led to any malignant tumors.

They will also consider how long it’s been since you completed treatment. Longer is better. Finally, they will review your overall health. While each company has slightly different standards for cervical cancer, here are some general guidelines to help you predict your rating.

  • Preferred Plus: Impossible for someone that had cervical cancer. The risk of future problems is just too high for insurance companies to give this rating.
  • Preferred: Also impossible for applicants that had cervical cancer. Insurance companies don’t usually give discounted rates after you’ve had cancer.
  • Standard: Best possible rating for someone that once had cervical cancer. The cancer must only have been in situ and had been removed surgically. In addition, the applicant must not have had any malignant tumors and is otherwise in very good health.
  • Table Rating (substandard): Most likely the best possible rating for applicants that had cervical cancer stage 1 or in situ that hasn’t been surgically removed. Also best possible rating for applicants that had a malignant tumor that was treated over two years ago. Applicant should also be in overall decent health.
  • Declines: Applicants that had stage 2 or higher cervical cancer will most likely be denied coverage. Also, many applicants that had a malignant tumor treated within the past two years or applicants that have other health problems could be denied.

Cervical Cancer Insurance Case Studies

A well planned application can increase your chances of qualifying for life insurance after cervical cancer. Here are a couple real life case studies that show the difference your application can make.

Case Study: Female, 65 y/o, diagnosed with cervical cancer (in situ) at 60. Recovered after surgery at 61, applied for life insurance immediately and was denied

This applicant was fairly healthy so her diagnosis of cervical cancer was a bit of surprise. Fortunately, she recovered in full after surgery at 61. At this time, she tried to apply for life insurance right away and was denied coverage. She assumed that because of her cancer treatment, she would never qualify for coverage. After reading our website, she realized that wasn’t true and her mistake was applying too early. We also referred her to a company that specializes in insurance for cervical cancer survivors. By trying again this time, she was able to receive a Standard rating, the best possible rating for someone that once had cervical cancer.

Case Study #2: Female, 59 y/o, former smoker, diagnosed with Stage 1 cervical cancer at 53, recovered after treatment at 55, quit smoking

This applicant was not living a healthy lifestyle especially since she was a heavy smoker. When she was diagnosed with cervical cancer at 53, it prompted her to change her lifestyle. She quit smoking and started eating healthier to lose weight. These better habits plus cancer treatment helped her manage a full recovery by 55. When she tried to apply for life insurance at 59 though, she couldn’t qualify for a policy. We thought that insurance companies were spooked by her past history. We recommended that this applicant see her doctor and get a note vouching for her better health habits. With this extra information, the applicant qualified for a Table Rated policy.

Qualifying for life insurance after cervical cancer isn’t easy, but it can be possible. In this tough situation, it helps to work with a professional. Our company specializes in finding coverage for applicants that have survived cervical cancer.

We can help you with your application and match you up with the best insurance companies for your needs. If you can’t qualify for a regular policy, we can match you up with a guaranteed issue policy that doesn’t require a medical exam. For more information and free rate quotes, call or fill out our online application form today.

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