Life Insurance with Endometrial (Uterine) Cancer

by Jeff Rose on April 4, 2017 · 0 comments

in Term Life Insurance

Life Insurance with Endometrial (Uterine) CancerIf you’ve had endometrial cancer in the past, it’s going to make it more difficult for you to qualify for life insurance.

However, if you’ve fully recovered from your cancer treatments, you may be able to qualify for a policy at a decent rating.

To help you determine whether you would qualify and at what rating, we’ve put together a complete guide to insurance underwriting for applicants that have had endometrial cancer.

Life insurance is one of the best purchases that you’ll ever make for your loved ones. If you’ve been diagnosed with endometrial cancer, you may think that you can’t get an affordable life insurance policy, but that couldn’t be further from the truth. Regardless of your health or any pre-existing conditions, there are several affordable life insurance options that we can help connect you with.

Not having life insurance is one of the worst mistakes that you could ever make for your family. It will give them the money that they need if something tragic were to happen to you. If you don’t have life insurance, your loved ones could be left with a massive amount of debt, and no money to pay off all of those bills. Having the proper life insurance plan can help make losing a loved one a little easier without the added financial stress.

Life Insurance Underwriting for Endometrial Cancer

When you apply for life insurance with uterine cancer, you’ll need to answer several questions about your medical history. You’ll need to answer:

  • When were you diagnosed with endometrial cancer?
  • What stage was your cancer in (in situ through stage 4)?
  • How long did your cancer treatment last?
  • What treatments did you receive for your cancer?
  • How long has it been since you’ve recovered from your treatments?
  • Do you have a family history of cancer and have any close family members died of cancer?

Make sure to answer all these questions honestly and in detail. Your application is your chance to show that you have fully recovered from your cancer treatments. In addition, life insurance underwriters prefer to see a complete application. If your application seems incomplete or vague, your chances of a denial or poor rating go way up.

Life Insurance Quotes after Endometrial Cancer

After you’ve had endometrial cancer, your life insurance rating will depend on a few factors. First, insurance companies will want to know how far the cancer spread, rated by the cancer stage. If the cancer didn’t spread beyond the uterus, you have a better chance of getting insured than if the cancer spread further.

In addition, the longer you’ve been cancer-free, the better. This shows insurance companies that you haven’t had any new problems or complications. Insurance companies will also review your overall health to make a decision. While each company treats uterine cancer a little differently, here are some general guidelines that you can use to predict your life insurance rating.

  • Preferred Plus: Impossible for someone that has had uterine cancer. The chances of a recurrence or other health problems are just too high for an applicant to receive a discounted policy.
  • Preferred: Also impossible for applicants that have had endometrial cancer. Insurance companies generally don’t give discounted policies to people that have had cancer.
  • Standard: Should not be expected for applicants that have had uterine cancer. In very rare cases, someone that has fully recovered and only had stage 0 or 1 uterine cancer may receive a standard rating Applicants would need to be in otherwise exceptionally good health and have waited at least four years since treatment.
  • Table Rating (substandard): Most likely rating for applicants that have recovered from stage 0 and stage 1 endometrial cancer. An applicant should wait at least two years after treatment and would likely get a better rating for waiting four or more years. Applicants with stage 2 endometrial cancer (only in the uterus and cervix) may also get a rated policy several years after recovering from treatment.
  • Declines: Applicants that have had stage 3 or 4 uterine cancer. There is just too high a mortality risk to qualify for a regular insurance policy. Applicants that had stage 2 uterine cancer and apply within 5 years of treatment are also likely to be denied.

Life Insurance Case Studies after Endometrial Cancer

Qualifying for life insurance after endometrial cancer is difficult, but you can increase your chances with a good application. Here are a couple real life examples that show the benefit of good preparation.

Case Study #1: Female, 58 y/o, non-smoker, had Stage 0 endometrial Cancer at 53, recovered fully after surgery and radiation therapy, tried applying for insurance right away and was denied.

This applicant caught her uterine cancer early and was apply to successfully treat the problem without any issues. She tried to apply for life insurance right at the end of her radiation therapy and was denied, causing her to think she couldn’t qualify for insurance. After reviewing our website, she realized that she applied too soon after her treatment. We also helped her complete her application because her first attempt didn’t include enough information on her treatment. By reapplying with our help, she received a substandard level 1 policy, only one level below standard and typically the best rating for someone that had uterine cancer.

Case Study #2: Female, 64 y/o, had Stage 2 endometrial cancer at 57, ended cancer treatment at 58

This applicant had Stage 2 endometrial cancer when she was 57. Luckily, she fully recovered after treatment. However, when she tried applying for insurance at 64, she couldn’t qualify. Insurance companies are generally wary of taking on applicants that have had Stage 2 uterine cancer. We suggested she go see her doctor for a complete check-up. The doctor verified that she was in great health and that there were no signs of cancer. With this extra information, the applicant was able to receive a rated policy.

The Bottom Line

Qualifying for life insurance after endometrial cancer isn’t easy, but it is possible. It helps to work with a professional that understands this condition. Our company specializes in life insurance for people that have had uterine cancer. We can help you fill out your application and give you the best chance of qualifying for a fair rating. If you can’t qualify for regular life insurance, we can also guide you through your other options, like guaranteed issue life insurance.

We are independent insurance agents, which means that we don’t only work with one single insurance company. Instead, we work with dozens of highly rated companies across the nation and we can bring all of the lowest insurance rates directly to you. Don’t waste your time calling dozens of insurance companies, let us do all of that work for you.

Even if you’ve had a hard time getting life insurance with cancer in the past, we can show you several different options for life insurance coverage. The best way to get life insurance for those applicants is to buy a no medical exam plan. As you can guess from the name, these plans will give you life insurance protection without having to undergo the medical exam.

No medical exams have plenty of advantages and disadvantages that you should be aware of when you’re’ shopping for life insurance protection. The biggest advantages is that anyone can purchase one of these plans, regardless of health or any complications. It’s vital that your family has the protection that they deserve.

Another advantage is that you can get accepted for life insurance coverage much quicker than you will with a traditional life insurance plan that requires a medical exam. With a normal exam, you could wait up to a month to get approved. With a no medical exam, you can get life insurance in a matter of days.

If you have any questions about the different kinds of life insurance policies or about getting an affordable plan for your family, don’t hesitate to contact one of our experienced agents. For more information and free quote for life insurance, give us a call or fill out our Compare Quotes online application form.

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