We specialize in life insurance underwriting for throat cancer survivors.
Throat Cancer Overview
Head and neck cancers such as throat cancer are advanced cancers that are complicated to underwrite.
Throat cancers are typically categorized as either laryngeal cancer (voicebox) or pharyngeal cancers of your upper, middle or lower part of your throat.
While very few companies offer coverage, the following article tells you what you need to know.
Throat Cancer Life Insurance Underwriting
Your doctor may perform laryngoscopy and take biopsy samples for evaluation.
Those biopsy results plus additional imaging tests (CT scan, MRI, PET scan, etc.) are completed in order to determine the cancer stage and extent of cancer.
Here’s what we need to know in order to shop for life insurance:
- When were you first diagnosed with Throat Cancer?
- Where was the primary location of cancer?
- What diagnostic tests were completed to diagnose cancer? (CT scan, MRI, PET scan, etc.)
- What Stage was Your Throat Cancer? T1, T2, T3, etc.
- Did cancer spread to your lymph nodes, thyroid, etc?
- How was cancer treated?
- When did you start cancer treatment?
- When did you complete cancer treatment?
- Are you a smoker? If you quit, when did you quit?
- Has there been any recurrence?
With the above information, we’ll reach out to companies for feedback (3-5 days) and will let you know what each company has to say in terms of underwriting and price.
What to Expect from Throat Cancer Underwriting
Life insurers will postpone offering coverage to you for 5 years +/- after the completion of all treatment, but other options may be available in the interim.
Under Age 50 When Diagnosed – Accidental death insurance is available, and guaranteed issue policies may be available for those age 45-50.
Age 50 or Older – Guaranteed issue and accidental policies are available at any time, including right when you were diagnosed. Policies are limited to $25,000 or less and the death benefit is graded.
Once term life insurance or universal life insurance is available, most life insurance companies will offer you their standard life insurance rates plus and additional expense called a flat extra are added to your policy.
While flat extras are temporary (5 years for most), the flat extra will typically add $500 – $1500 per every $100,000 of coverage you seek.
The best way to get accurate underwriting feedback is to let us shop the market for you.
There is no obligation or pressure with our service. We’ll reach out to companies for underwriting feedback. Once we receive feedback, we’ll let you know what to expect in terms of underwriting and price.
Please take a few minutes to complete your quote request today. Thank you.
Call us at Toll-Free (800) 909-2040
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