If you are one of the thousands of men who has beat testicular cancer, you may be looking to rebound both physically and financially. Buying life insurance after testicular cancer is just one of those items you may be looking to purchase to protect your family, and yes, you can still get it. You can even purchase life insurance with Cerebral Palsy or life insurance with COPD, so you do have options!
While you won’t be able to get the top tier rates, you can still buy life insurance after testicular cancer if you have been cancer free and have a good medical history since your diagnosis.
Not all types of cancer will allow a person to get traditional term life insurance policies, but fortunately, testicular cancer is one type which has a higher success rate of recovery than some others.
If you are searching for life insurance after having testicular cancer, you’re in the right place. We understand that serarching for life insurance with or without a health issue is a dauting task. That is why we are here to help you find the best coverage for your needs, whether that be a traditional policy, a no medical exam required policy or a guaranteed issue, we will help find you coverage.
Life Insurance After Testicular Cancer
We’ve had a few questions lately in regards to finding affordable term life insurance after cancer, and the first question every man asks is, “Am I eligible?”
We’re going to field some of those questions today and you’ll see it’s hard to answer this question without asking a few other questions first. There are different types, various ages it occurs, and each man’s case is completely unique. You may be surprised to hear life insurance can be very affordable, even after cancer.
According to the Testicular Cancer Society,
Every year, in the U.S., an estimated 8500 men are diagnosed with testicular cancer and 350 die from the disease.
Because it’s a deadly disease in some cases, life insurance after testicular cancer is considered a high risk or impaired risk underwriting practice from life insurance companies. Cancer has no known cure, but testicular cancer is a very localized type of cancer if it’s detected early and treated effectively. Here are the different types of testicular cancer classifications:
- Stage I: confined to the testis
- Stage II: involved in local lymph nodes
- Stage III: spread to additional lymph nodes
- Stage IV: spread to distant lymph nodes or tissue, such as liver, lung or bone.
Each of the different stages would put you into a different starting point for determining a rating. A life insurance policy, without considering the discounted rates for those with superior health and family history, there are 13 qualifying ratings a person could be approved with. After testicular cancer, it is likely you’ll fall into one of these sub-standard classes.
After the type is known, the next questions have to do with the diagnosis itself:
- When were you diagnosed?
- How old were you at diagnosis?
- Which type of cancer did you have? (seminoma vs nonseminoma)
- How were you treated?
- How long did you undergo treatment?
- What is the date of your last positive test for cancer?
This is where each man’s case starts to take shape for the underwriters. For some men, they were able to discover the cancer early, treatments may have been more minimal than others, and the cancer was eliminated fairly quickly without any return. In the opposite way, other men may have had a more sever case, requiring more intense treatments which were not as successful. The time frame in which all of this occurred is crucial.
Speaking of time frame, the date of your last positive test for any cancer cells is a determinant factor in eligibility as well. Most carriers are unlikely to even accept an application without a postponement until after 24 to 36 months has passed. The best ratings are usually given to those with up to 60 months of cancer free medical history.
Even if you are able to get past the guidelines for life insurance after testicular cancer, you still have to qualify medically based on the rest of your health. Life insurance after testicular cancer is hard enough to get, but if you deal with other issues as simple as blood pressure or cholesterol, you could see additional increases.
Your driving record, medical history, family history and doctor’s records all have an impact with life insurance.
Don’t let testicular cancer stop your pursuit of life insurance. Contact us today and we’ll help you through the pre-screen and pair you with a company who is willing to offer your coverage at the lowest possible rates. We shop over 50 different companies on your behalf, so you can be sure you’re getting a top of the line deal.