Life Insurance with Cervical Cancer

by Jeff Rose on October 9, 2017 · 0 comments

in High Risk Insurance

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.

This article is going to look at the difference options that you have available for your insurance coverage. Life insurance is one of the best ways that you can guarantee that your family has the money that they need, regardless of what happens to you.

Life Insurance Underwriting for Cervical Cancer

Life Insurance with 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.

These are only some of the questions that you’ll get asked when you apply for life insurance coverage. The agent will also ask you about your general health. They will ask your weight and dozens and dozens of questions about your family history. All of these questions are going to go into how much they charge you for insurance protection.

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.

Getting More Affordable Life Insurance Coverage

There are several ways that you can get affordable life insurance protection, even with a history of cancer. Making a few simple changes can help you save money on your life insurance coverage.

One thing that you can do, as we mentioned, is to cut out any tobacco that you currently use. If you’re a smoker, then you’re going to pay a lot more for your life insurance protection. In fact, smokers are going to pay at least twice as much for their life insurance protection versus what a non-smoker is going to pay for their coverage. Kicking that smoking habit is one of the best things that you can do to save money on your life insurance coverage.

Another way that you can save money is to improve your overall health. When you apply for life insurance coverage, the insurance company is going to require that you take a medical exam, and the results of that exam are going to play an important role in how much you pay every month for your plan. If you want to save money, a great way to do that is to get better results from the medical exam. If you want to save money, it’s time to hit the gym and cut out all of that extra junk food.

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.

Bottom Line

Unlike traditional insurance agents, we are a group of independent insurance agents, which means that we work with dozens and dozens of highly rated companies across the nation, and we know which companies can bring the best rates directly to you. Every insurance company is different, and all of them are going to give you drastically different premiums based on their medical underwriting and rating system. Finding the perfect company is the difference in getting an affordable plan or getting one that breaks your bank every month. Don’t waste your valuable time trying to find the best plan, let one of our agents do all of that hard work for you.

We can help you with your application and match you up with the best companies for term life insurance for cancer patients. 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.

If you have any questions about life insurance coverage with cervical cancer, please contact one of our agents today. We would love to answer those questions and ensure that you’re getting the best plan possible. We know that nobody wants to think about his or her death, but that’s why we are here to help. We can make the process as quick and simple as possible.

You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the insurance protection that your family deserves. Contact us today, and we can get the life insurance process started.

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