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 can buy life insurance.
Your insurability really depends on the severity of your cervical cancer. To help you through the life insurance process, we’ve built this guide to the life insurance underwriting standards for cervical cancer.
We are going to look at the factors which impact your life insurance. Life insurance is the financial safety net your family needs if you were to pass away.
Life Insurance Underwriting for Cervical Cancer
As an applicant who has had cervical cancer in the past, then you’re going to have to answer a lot of questions about your cancer before the insurance company will give you life insurance:
- When was the diagnosis?
- 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. 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. Aside from your cancer, they will also look at your general health. Each company has different rating classes, but here is a basic idea of what you can expect:
- Preferred Plus: Impossible for someone that had cervical cancer. The risk of future problems is just too high for insurance companies.
- Preferred: Also impossible for applicants that had cervical 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 who 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. Let’s show you some examples of life insurance with cervical cancer:
Case Study: Female, 65 y/o, diagnosed with cervical cancer (in situ) at 60. Recovered after surgery at 61, applied for life insurance right after, and she was declined.
She was fairly healthy so her diagnosis of cervical cancer was a bit of surprise. Fortunately, she recovered in full after surgery at 61. 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 qualified for a Standard rating.
Case Study #2: Female, 59 y/o, former smoker, diagnosed with Stage 1 cervical cancer at 53, and the was finished with treatment at 55. He also quit smoking.
She wasn’t making the best lifestyle choices, especially since she was a smoker. When she was diagnosed with cervical cancer at 53, it prompted her to change her lifestyle. She made some much need health changes, like quitting smoking. These better habits plus cancer treatment helped her manage a full recovery by 55. She applied, she didn’t get great results. We told her to go to her doctor and ask for a letter which details her health improvements. After she did this, she got a Table Rated plan.
Getting More Affordable Life Insurance Coverage
If you’re worried about expensive life insurance, don’t worry, even with a history of cancer you can get cheap life insurance.
One of the easiest ways to save money is to cut out some of your bad habits, like smoking or excessive drinking. You don’t need a doctor to tell you both of these are bad for your health. These poor health patterns could cause your rates do go sky-high.
The biggest part of life insurance is the medical exam. The results directly correlate with how much you are going to pay. Get better results you get lower premiums. Hit the gym and cut out the extra bowl of ice cream every month. It can save you hundreds of dollars on your coverage.
Qualifying for life insurance after cervical cancer isn’t easy, but it can be possible. In this tricky search, the best thing to do is work with an independent agency.
For anyone with a history of cancer, regardless of the type, finding life insurance can be a stressful journey. You should be prepared to get declined several times.
Hopefully, this guide has helped give you all the information you need to protect your family with life insurance. If you are still confused about the process or you have any additional questions, please let us know. We would be glad to clear up any confusion.
Unless you have a crystal ball, you don’t know what the future is going to bring. Don’t wait another day to get life insurance protection!