Breast Cancer Life Insurance –

After receiving breast cancer treatment and beating the disease, many survivors wonder if they will be able to get life insurance.

It is a concern because many life insurance companies will not cover women with a history of breast cancer.

Cancer is considered high risk, so working with a specialist who understands your medical history and the insurance companies that may be best for you is important.

At RiskQuoter, we specialize in helping women find the best insurance available based on their medical history.

Breast Cancer Life Insurance at a Glance

Breast cancer is the second reason of cancer deaths among women.

It is one of the most common types of cancer among women, and in general, its number has been increasing.

Considering these statistics, it’s no wonder that many people are concerned about how a diagnosis of breast cancer will affect their ability to obtain life insurance.

Common causes of breast cancer include:

  • The type of breast cancer you had
  • Cancer phase
  • Help received
  • Time to end treatment

We specialize in cancer life insurance and will help you find affordable life insurance from the top companies.

We use a quick rate system that allows us to purchase insurance policies quickly to write reviews.

The advantage of fast quotes is that you get a quote before you finish the job.

How Does Breast Cancer Affect Life Insurance?

Once you have completed the full coverage, most insurers will stop providing coverage for a while.

Additional interest is added to your premium after the suspension period has expired.

Although flat extensions are temporary (3-5 years), they are expensive and add $600 – $1,000 for every $100,000.

For many breast cancer survivors, “standard” or “standard plus” is the best level available.

Life Insurance and Breast Cancer Coverage

The cancer sector is the starting point for the life insurance industry.

Although many other factors affect the writing of life insurance, all carriers start with the breast cancer section.

Remember that the following are only guidelines because the history of each cancer is different.

Your best breast cancer insurance company will depend on your medical history.

Stage Zero Breast Cancer Life Insurance

Breast cancer of zero (early appearance) is called ductal carcinoma in situ (DCIS).

Life insurance is available 3-6 months after treatment.

The best place to start is with a copy of the pathology reportbecause slight differences lead to very different writing results.

We need the details of your DCIS history:

  • What type of DCIS did you have?
    • DCIS
    • DCIS is micro-invasion
    • Invasive DCIS
  • What was the grade of DCIS?
    • Lower (grade 1)
    • Middle grades (grade 2)
    • High grade (grade 3)
  • What was the hormone receptor position?
    • Estrogen Receptor (ER) positive or
    • Estrogen Receptor negative?
  • How is DCIS treated?
    • Lumpectomy
    • Lumpectomy and radiation
    • Mastectomy
    • Hormonal therapy (Tamoxifen, Arimidex, Aromasin, etc.)

The above conditions determine the term of the life insurance policy.

You can get “standard” or “standard plus” with other companies.

If you have lobular carcinoma in situ (LCIS), the same rules as DCIS apply.

DCIS Client Life Insurance Success Story:
  • 49 years at the time of diagnosis
  • A mammogram found a tumor.
  • Biopsy confirmed DCIS
  • After the lumpectomy was completed, the surgical margins were negative.
  • Cancer tested ER-Positive.
  • Treatment of this poison for three weeks after surgery.

For this client, Prudential offered the best option by offering the ultimate non-smoking plus (regular plus).

Stage 1 Breast Cancer

Most Stage 1A and Stage 1B cancers are covered by insurance within 3-6 months of treatment.

The following are great for writing:

  • Stage 1A or Stage 1B breast cancer
  • Low-Grade Tumors
  • Age 40 or older at the time of diagnosis
  • The size of the tumor is 10 mm or less
  • Estrogen Receptor-Positive (ER-Positive)
  • There is no involvement of the lymph nodes
  • There is no family history of breast cancer in women.

Stage 1c breast cancer follows the same criteria as stage 2 breast cancer, as explained later in this article.

Part 1 Benefits of Breast Cancer Life Insurance

If your breast cancer is ER-Positive, life insurance rates are higher.

If not ER-Positive, most insurers will stop providing life insurance for 1-2 years after full treatment.

A temporary flat extension (3-5 years) of $500-$750 for every $100,000 of life insurance are added to the standard dose.

If your cancer was stage 1C breast cancer, please follow the guidelines for Stage 2 cancer listed below.

Stage 2 Breast Cancer

Stage 2 breast cancer requires early life insurance coverage.

The waiting time depends on factors such as:

  • Is Cancer Stage 2A or 2B?
  • What was the tumor?
  • Were the lymph nodes cancerous?
  • If yes, how many and where were they?
  • HER2 condition – was the tumor benign or malignant?
  • ER-Positive – is the tumor estrogen receptor-positive?
  • It was the tumor progesterone receptor good or bad?
  • He was Oncotype DX Score did he finish? If yes, what were the results?

Stage 2A breast cancer usually requires a 5-year waiting period after completing all treatments.

Stage 2B breast cancer requires 5-10 years of life insurance coverage.

The Best Case for Stage 2 Breast Cancer

When life insurance is acquired, it is common to see articles written like this:

Stage 2A Breast Cancer

Regular prices including table and extras will apply.

The tables are fixed and add 50% to the fixed prices.

Short-term bonuses add $1,000 – $1,500 for every $100,000 you write.

Stage 2B Breast Cancer

The difference between Stage 2A and 2B cancer is the length of time the tumor will last.

Stage 3 breast cancer

Stage 3 breast cancer requires a waiting period of 10-15 years.

Life insurance is what happens.

The best events require 50-100% table rate and additional fees.

This home will add $1,500 – $2000 for every $100,000 in life insurance.

Stage 4 breast cancer

The type of life insurance coverage for stage 4 breast cancer is limited to guaranteed life insurance.

Savings plans can have at least one invalid.

Breast Cancer Life Insurance Writing Questions

Candidates should know:

  1. What type of breast cancer did you have?
  2. When were you diagnosed with breast cancer?
  3. What kind of treatment did you receive?
  4. When did you start and finish all the drugs?
  5. Stage of breast cancer?
  6. A group of cancer cells?
  7. What was the tumor?
  8. Were the surgeries good, bad, or closed?
  9. Were the lymph nodes cancerous?
  10. If yes, how many and where were they?
  11. Were the breast cells hormone receptor-positive or negative?
  12. Have you had a genetic test?
  13. If yes, what kind of test and what were the results?
  14. Have you ever had breast cancer?
  15. Do you take any medications? If yes, what do you take?
  16. Is there a family history of breast cancer?
  17. Have you ever had any other health problems?

Don’t worry if you don’t have the answers to the following questions. We will work with what you have.

Denied or Voted for Breast Cancer?

Have you been denied life insurance because of breast cancer?

Some of the common misconceptions about life insurance for breast cancer survivors include:

  • If one company rejects me, all will – FALSE
  • The ratings will be the same for each company – FALSE
  • The waiting period is the same for all life insurance – FALSE
  • My agent told me what I received was very good – maybe

Of the 100+ life insurance companies in America, less than 10 of these companies offer life insurance for breast cancer survivors.

We can help you with our underwriting expertise.

We will help you find it best life insurance companies depending on your breast cancer history.

Final Words

Something to keep in mind is that you should restock the market every year when you get extras.

The reason for this is that breast cancer donations tend to improve after a long period of time since breast cancer.

First, there is no pressure or pressure from our work.

You get the information you need to make an informed decision about life insurance for you or your partner.

Please take a few minutes to request your voice today.

Or call us Toll Free at 800-909-2040 to discuss. Thank you.

Related Articles