At RiskQuoter.com, we help kidney cancer survivors find life insurance after cancer.
Kidney Cancer Life Insurance
If you had kidney cancer and need life insurance, we can help you.
RiskQuoter will help you find the right life insurance company based on your history of kidney cancer.
Finding life insurance with pre-existing cancer such as kidney cancer can be difficult, but our life insurance service will help you find an affordable policy.
Kidney Cancer Overview
50,000 people per year are diagnosed with kidney cancer, also known as renal cell carcinoma. Of the 50,000 kidney cancer cases each year, the most common type of kidney cancer is Clear Cell Renal Cell Carcinoma, making up approximately 70% of all kidney cancer cases.
Kidney Cancer Life Insurance Underwriting
Life insurance underwriters want to know the following about your kidney cancer history:
- How large was the kidney cancer tumor?
- How was your kidney cancer treated?
- Was there any history of recurrence?
- Were there any residual tumors?
What to Expect from Life Insurance Underwriters:
Most kidney cancer cases will be postponed for a period of time after the completion of kidney cancer treatment.
For smaller Stage T0 and T1 kidney cancers, there is typically a postpone period of 1-2 years from the date you complete treatment until life insurance is available.
After the postpone period of 1-2 years, a flat extra expense will be added to the standard life insurance rates.
For Stage T2 and Stage T3 kidney cancers, the postpone period before coverage is available will be longer, in some cases as long as 5 years. After the postpone period, a flat extra expense would apply for approximately 10 years, followed by standard life insurance rates.
For Stage T0 and T1 kidney cancers, flat extras are closer to the lower price range, while T2 and T3 are towards the high end.
The amount of the flat extra may be in the $750 per every $100,000 of coverage to a flat extra of $1500 per every $100,000 of coverage.
One of the better life insurers for kidney cancer is John Hancock in our experience.
Flat extras typically last for 7-10 years, after that time you would pay the standard life insurance rates.
In addition to kidney cancer, some of the other cancers that we specialize in include:
You find more information here about buying life insurance after cancer.
At RiskQuoter Insurance Services, there is never any pressure or obligation with our life insurance service.
We’ll give you the information you need to make an informed decision about your life insurance.
Would you rather discuss your request?
Call us today at Toll-Free (800) 909-2040
Resources and Reference Material for kidney cancer underwriting