Life Insurance After Breast Cancer.
October is Breast Cancer Awareness Month, a four-week period recognized around the world as a crucial tool in the fight against this disease. It has grown to become a worldwide campaign that brings together thousands of organizations that highlight the importance of breast cancer awareness, early detection, fund-raising and targeted research.
The U.S. Department for Health and Human Services notes that breast cancer is the second-most common type of cancer for women. Sadly, they estimate that around 1 in 8 women born in the U.S. today will have breast cancer at some point in their lives.
Breast Cancer Insurance Options
The good news is that you or a loved one may qualify for a life insurance policy after you’ve been treated for breast cancer.
Many people believe that breast cancer survivors are unable to take out life insurance.
Despite what you might have heard in the past, however, the number of policies covering people living with a previous breast cancer diagnosis is increasing as improved technology leads to better treatment.
As with all pre-existing medical conditions, having a history of breast cancer will affect your life insurance, but there’s no need to assume that this is a barrier to coverage. Even if you have applied for life insurance in the past and been declined, it’s worth contacting your independent insurance agent for coverage.
Advanced Technology Means Improved Treatment
New detection and testing procedures mean that breast cancer is frequently caught much earlier than it was only a few years ago. It goes without saying that the sooner your condition is diagnosed, the easier it is to treat.
These improvements in detection mean that insurance companies are adjusting their policies on breast cancer coverage. This allows insurance companies to offer better rates that reflect the range of circumstances involved in a breast cancer diagnosis.
Insurers will look at various factors before deciding on your eligibility for life insurance as a person diagnosed with breast cancer.
The insurance company will probably request information about your personal medical history, including the following:
- Your age at diagnosis and current age
- The date of your diagnosis
- The grade and stage of tumor
- Date of treatments and types of treatments (for example: chemotherapy, radiation, surgery, mastectomy, lumpectomy)
- The time elapsed since you finished your last treatment
- Any current medication you are taking
- The date of your most recent follow-up
- Your physician’s contact details
If you are in remission from breast cancer and are seeking life insurance coverage, you are not alone.
We are a team of insurance experts who offer life insurance coverage for people with all types of cancer, including breast cancer. Our team works for those who have struggled to find a policy elsewhere, getting them the best coverage for the best price.
Contact us to help you wade through the complications of getting life insurance with a history of breast cancer.
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This information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice.