Life Insurance with Bladder Cancer

by Jeff Rose on October 6, 2017 · 0 comments

in High Risk Insurance

Life Insurance with Bladder Cancer If you’ve ever had bladder cancer, it’s going to be an issue when you apply for life insurance. Insurance companies are very strict with applicants that have had cancer. However, you may still be able to qualify for a policy at a fair rate.

If you’ve ever been told that you can’t get life insurance coverage because of your bladder cancer in the past, that couldn’t be further from the truth. Regardless of your health or any pre-existing conditions that you may have had, it’s possible to get affordable and quality life insurance coverage that your family deserves.

Can you get life insurance if you have cancer? When it comes to bladder cancer, your rating will depend on how serious the cancer was and how well you recovered. To get a better idea of your insurability, read through our guide on life insurance for applicants with bladder cancer.

If you have any questions about getting life insurance coverage with a history of bladder cancer, then this article should answer those questions and help you get the best life insurance coverage available.

Life Insurance Underwriting for Bladder Cancer

When you apply for life insurance after bladder cancer, the insurance agent will need to ask several questions about your condition. You’ll need to answer:

  • When were you diagnosed with bladder cancer?
  • What type of cancer did you have?
  • What stage was the cancer and did you have any lymph nodes?
  • What treatment did you receive for the cancer?
  • Have there been any recurrences?
  • Do you have a family history of cancer and do you smoke?
  •  Do you have any other health problems?

Be sure to answer these questions as accurately and with as much detail as possible. Insurance underwriters are going to closely analyze your application and will get worried if information seems to be missing. Including all possible information gives you the best chance of getting a good rating.

Life Insurance Quotes with Bladder Cancer

Your life insurance rating with bladder cancer will depend on a few factors. First, how serious was your bladder cancer? If you only had a few low-risk tumors with very little malignant risk, bladder cancer may not hurt your rating at all. The more serious your cancer, the lower your insurance rating will be.

Allowing more time between your treatment and application also helps because it shows that there wasn’t a recurrence. Finally, underwriters will consider your overall health as well. While each company has slightly different rules, you can use our general underwriting guide to predict your rating.

  • Preferred Plus: Impossible for someone that had bladder cancer. There is just too much of a future health risk for insurance companies to give this high a rating.
  • Preferred: Also impossible for applicants that had bladder cancer. Insurance companies don’t usually give discounted rates after you’ve had cancer.
  • Standard: Possible if your cancer was detected early and you only had a few, low-risk tumors with very little malignant potential. It should have been at least two years since your treatment and you should be in great health otherwise to qualify for this rating.
  • Table Rating (substandard): Most likely the best possible rating for applicants that have had bladder cancer. Your rating will depend on the severity of the tumors from your bladder cancer, how well you responded to treatment, how long it’s been since treatment, and your overall health.
  • Declines: Applicants that have stage 3 or higher bladder cancer and applicants that have lymph nodes will likely be declined. Also, applicants that apply within two years of a cancer treatment, especially for a malignant tumor, will also likely be denied. You could be denied as well if you have other health problems on top of your bladder cancer.

Bladder Cancer Insurance Case Studies

While qualifying for life insurance after bladder cancer is difficult, a good application improves your chances. Here are some real life case studies that prove this point.

Case Study: Male, 64 y/o, diagnosed with low risk, stage 1 bladder cancer at 60. Recovered after treatment at 61, applied for life insurance immediately and was denied

This applicant was in pretty good health so getting diagnosed with stage 1 bladder cancer at 60 was a bit of a shock. Fortunately, he recovered in full after treatment at 61. He tried to apply for life insurance immediately afterwards and was denied. At this point, he thought he would never be able to get life insurance. After reading our website, he realized this wasn’t true. His problem was that he applied too soon after treatment for coverage. We recommended this applicant try again and we also referred him to an insurance company that regularly deals with applicants that had bladder cancer. This time, the applicant was actually able to receive a Standard rating.

Case Study #2: Female, 57 y/o, former smoker, diagnosed with Stage 1 bladder cancer at 53, recovered after treatment at 55, quit smoking

This applicant was not taking great care of herself and was a heavy smoker. After she was diagnosed with bladder cancer at 53, she decided to turn things around. She quit smoking and started living a healthier lifestyle. This appeared to make a difference as after treatment she never had a recurrence. However, when she applied for life insurance, she couldn’t get a policy.

We thought that insurance companies saw her past history as a smoker along with her bladder cancer and decided she was too risky. We recommended she ask her doctor for a note vouching that she was living a healthier lifestyle. With this information, she was able to receive a Substandard Level 1 policy from Banner Life, the best rating after Standard.

Don’t give up on applying for life insurance just because you’ve had bladder cancer. It’s still very possible to get a policy at a good rating. You’ll increase your chances by getting the help of a professional. Our company specializes in finding life insurance for applicants that have had bladder cancer.

Getting Affordable Life Insurance Coverage

One of the most common reasons that people don’t buy life insurance is because they assume that it’s going to be too expensive to fit in their budget. In most cases, that couldn’t be further from the truth. Regardless of your health, it’s important that you get the life insurance protection that your family deserves. There are several ways that you can get lower insurance premiums for your protection.

The most important thing that you can do when you’re shopping for life insurance is to compare dozens and dozens of plans before you decide which one is best for you. Every insurance company is different, and all of them are going to view your applications differently, which means that you’ll get drastically different rates depending on which company that you get the quote from. Finding a company that is going to view your bladder cancer more favorably can save you thousands of dollars on your life insurance coverage.

Because there are hundreds of life insurance companies on the market, you could spend weeks calling different companies. Instead of wasting all of that time calling agents, let one of our independent agents do all of the hard work for you. Our experienced agents work with dozens and dozens of highly rated companies across the nation. We know which companies are going to give you the best rates available.

Another way that you can save money on your life insurance coverage is to cut out any tobacco that you currently use. If you’re listed as a smoker on your life insurance policy, you can expect to pay a lot more for your life insurance plan. In fact, smokers are going to pay twice as much for coverage, and that’s if they even get accepted for coverage in the first place. If you want to save money, and improve your chances of getting approved, then kicking your smoking habit is one of the best ways that you can save money.

If you have any questions about getting life insurance with bladder cancer, or the options available to you. Please contact one of our agents today. We would love to answer those questions and connect you with the best plan 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 process started.

We can help you prepare your application plus find the best companies for your situation. For more information or free rate quotes, call or fill out our online application form today.

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