Life insurance is now possible for cervical cancer survivors.
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Life insurance underwriters want to know the following about your cervical cancer history:
- When were you diagnosed with cervical cancer?
- How old were you when diagnosed with cervical cancer?
- What stage was cervical cancer?
- How was the cervical cancer treated?
- When did you start and complete treatment?
- Has there been any recurrence?
With any cancer history, it’s important to have as much detail as possible when we speak with underwriters.
Cervical Cancer Underwriting
Most life insurance companies will postpone offering coverage to you for a period of time after the completion of treatment.
After that, life insurance is available depending on the staging of cervical cancer.
Stage 1 Cervical Cancer
Life insurance may be possible to obtain within 1 year of completion of all cervical cancer treatment up to stage 1a.
The following will usually apply:
- Typically, a flat extra charge is added to the standard life insurance rates.
- The flat extra will add approximately $500 per every $100,000 of life insurance.
- The flat extra will last for 3 years on average when the stage is 1a or less.
Aggressive stage 1 cervical cancer will require longer postpone periods as well as more expensive flat extra.
Stage 2 Cervical Cancers
Life insurance is available subject to the following guidelines:
- Stage 2A and stage 2B cervical cancers typically have 5 year postpone periods
- Flat extra expenses for Stage 2a and 2b cervical cancers will add $750 – $1500 per every $100,000 of coverage.
- Flat extras will last from 5-10 years when life insurance is available.
The availability of life insurance depends on the type of treatment received and whether any lymph nodes were involved.
If there was any lymph node involvement, most life insurance underwriters will not consider coverage for 10+ years.
Flat extra expenses are common with many types of cancer.
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Michael Horbal is the founder and owner of RiskQuoter.com and a licensed life insurance agent who has helped thousands with affordable protection for families and businesses.