Life Insurance After Colon Cancer –

When you have colon cancer, the last thing on your mind is getting life insurance.

Instead, you focus on beating the disease and getting back to normal.

You might think that buying such a policy after being diagnosed with colon cancer is out of the question.

However, that is not entirely true. With a little research and planning, it is possible to find affordable life insurance after a colon cancer diagnosis from a high risk life insurance company.

How Does Colon Cancer Affect Life Insurance?

Stomach cancer is the most common type of stomach cancer in older people.

This cancer consists of Colon cancer (the large intestine) and colon cancer (the last few inches of the colon).

How colon cancer affects your life insurance depends on many factors, including:

  • Your age at the time of diagnosis
  • The type of cancer you were diagnosed with
  • Colon cancer stage
  • Help received
  • The time since the end of the treatment
  • Any history of repetition

People diagnosed with colon cancer after age 65 have better rates than those diagnosed before age 65.

From a written perspective, colon and rectal cancer follow the same guidelines.

Colon Cancer Life Insurance Questions

Life insurers should know the following:

  • When were you diagnosed with colon cancer?
  • How was colon cancer?
  • What was colon cancer?
  • Were the lymph nodes involved? If yes, how many and where?
  • Has the cancer spread to any other organs? Where did it spread?
  • What kind of treatment did you receive? Surgery, chemotherapy, radiation?
  • What were the start and end dates of all medications?
  • Will there be any repeats?
  • Have you finished following up with your doctor?
  • When was your last colonoscopy, and what were the results?
  • What was your CEA, if known?
  • Is there a family history of colon cancer with your parents or siblings?
  • Have you had any other problems in the past or now?

The best life insurance policies after cancer depend on your personal history and health.

Other factors that affect your life insurance rates include a history of other illnesses such as ulcerative colitis or Crohn’s.

Life Insurance and Colon Cancer Stage

Life insurance for colon cancer survivors continues to improve, with several carriers offering affordable insurance.

Underwriting is best for those who are 65 years of age or older.

Colon Polyps

Most colon polyps are not cancerous, but there are some types such as adenomas that can become skin cancer.

Let’s assume that the removed polyp’s pathology shows that it is benign.

Then, your life insurance will not need an additional level.

If the polyp is cancerous, the markings follow the rules of colon cancer.

Stage 0 – Cancer in Situ

The inner or mucosal layer consists of cells that are not well known.

These abnormal cells can be cancerous.

Getting life insurance at a “standard” rate within 12 months of treatment is now possible.

The same applies if you attended before the age of 65.

Stage 1 Colon Cancer

Stage 1 colon cancer has spread through the lining of your colon to the center of the colon wall.

There is no involvement of the lymph nodes.

Life insurers will freeze life insurance for 12-24 months.

When life insurance is available, carriers balance their “fixed” premiums with what’s called a flat extra.

Standard bonuses are temporary and add $500 – $750 on every $100,000 you spend.

Stage 2 Colon Cancer

Stage 2 colon cancer has spread outside the colon wall and, in some cases, can spread to nearby tissues or other organs.

No lymph nodes are involved.

Stage 2 colon cancer – Stage 2A, Stage 2B, or Stage 2C.

Stage 2A Colon Cancer

The delay period lasts 12-60 months after completing all treatments.

After the grace period ends, life insurance companies will consider their fixed rates and additional premiums $750 – $1000 per $100,000 you buy.

Stage 2B Colon Cancer

The delay period ends 24-60 months after treatment.

Additional fees are usually $1000 or more for every $100,000 you consider.

Stage 2C Colon Cancer follows the written guidelines for Stage 3 colon cancer.

Stage 3 Colon Cancer

Cancer has spread to at least one lymph node, depending on whether the tumor is stage 3A, 3B, or 3C.

Best case scenario is a 5 year delay (2 ages 65+).

A good term means two or fewer and normal lymph nodes The cost of CEA.

Once the information is available, the ad will include the default steps.

And the additional cost of $1000 for every $100,000 donated it is common.

In our experience, most type 3 cancers receive a waiting period of 10 years or more due to the growth of the tumor.

Term life insurance can be a great way to start.

Stage 4 Colon Cancer

The only option for colon cancer 4 is guaranteed life insurance.

With this policy, the first few years of the policy have a death benefit.

How Our Colon Cancer Life Insurance Program Works

Life insurance companies have colon cancer coverage options, and the coverage options vary widely.

With our short form process, we will collect your medical history from you.

We then buy life insurance companies anonymously to answer for us.

It takes three days to hear from all companies.

At that time, we will discuss the quotes with you and help you decide type of life insurance and how much life insurance you should consider.

If you change your mind at any time, tell us to close your file.

There is no coercion or coercion with our work.

Colon Cancer Terms and Definitions

Colon cancer is classified according to a cancer staging system using Duke’s Colon Cancer Staging or the TNM cancer staging system.

TNM staging is the method currently used. However, you can see the Duke’s system on old disease reports.

The TNM cancer staging system uses numbers and letters to indicate the stage of colon cancer:

Comparison of TNM Staging and Duke’s:

“T” stands for the size and stage of the cancerous tumor.

“N” Indicates the number of lymph nodes involved.

“M” indicates if the cancer has spread (metastasized).

In addition to the TNM classification of colon cancer, diagnosis indicates whether colon cancer was:

  • Adenocarcinoma (the most common type)
  • Carcinoid tumor
  • Stromal tumor

Colon cancer grade shows how fast the cancer grows.

Colon cancer groups:

  • Well Differentiated (Low Grade)
  • Middle Class (Middle Classes)
  • Not Badly Distinguished (Higher Grades)

Notation uses the highest grade where the pathology report lists several groups of cancers.

Please take a few minutes to complete your no-obligation, no-obligation application today.