We help men with a history of testicular cancer find affordable term life insurance from top-rated carriers.
In fact, it’s never been easier for someone who has had testicular cancer to apply for coverage.
You may think that getting life insurance after testicular cancer is impossible, but at RiskQuoter, we’re here to let you know that you can get the life insurance coverage you need and deserve.
Pro Tip – Get an instant life insurance quote –> Choose the “standard” rate for a starting point for your health class
If you have had testicular cancer, you can get life insurance from a company that specializes in high-risk life insurance.
The most common type of testis cancer is seminoma.
Seminoma has two types: Classic and spermatocytic seminoma.
Nonseminomas are cancer cells that have different kinds of cells, including embryonal carcinoma, yolk sac carcinomas, choriocarcinomas, and teratomas.
In America about 9500 people get testicular cancer per year – it is not very common.
Yes, a number of companies offer life insurance after testicular cancer.
Coverage may be available as soon as surgery (radical orchiectomy) has been completed.
Life insurance is available for stage 1 classic seminomas as soon as treatment has been completed.
Current age under 60 – The first 3 years consist of “standard” rates plus a flat extra expense of $500 per every $100,000 of coverage. After 3 years, you pay “standard” rates for the rest of the policy.
Current age 60 or older – Companies charge the “standard” rate & flat extra, but one company does much better.
John Hancock will consider “standard” rates (no flat extra) from day one. It’s also possible to upgrade to “standard plus” rates after 5 years and “preferred” rates after 10 years.
Twelve-month postpone periods may be required if you had chemotherapy or radiation.
Life insurance for stage 2 testicular cancer requires a postpone period of 0-24 months depending on your exact medical details.
Current age under 60 – The postpone period is typically 12-24 months, followed by “standard” rates plus a flat extra expense of $1,000 per every $100,000 for 4 years.
Current age 60 or older – John Hancock is still the best as they will consider standard rates plus the flat extra for 2 years. In some cases, they will even waive the flat extra entirely.
It’s important for us to get the exact dates of surgery, radiation, and/or chemotherapy in order to provide you with accurate quotes.
Life insurance for stage 3 testicular cancers is on a case-by-case basis.
Most cases will require a minimum postpone period of 2-4 years.
Standard rates plus a 50% permanent rating will be added, plus a flat extra expense is likely.
The only option available will be a guaranteed issue type of policy.
Graded benefit life insurance policies are available for age 40 or older.
We use a quick quote process that gets you underwriting feedback in days from companies that specialize in cancer life insurance.
You’ll know which life insurance company is best before you apply for coverage.
Here’s what underwriters look for:
With the above, we can get you underwriting feedback in 3 days or less.
You’ll know exactly what to expect in terms of underwriting and price.
A note about tumor markers:
Early detection of testicular cancer uses the following tumor markers.
The key tumor markers are:
Seminomas raise hCG levels but not AFP, while non-seminomas often raise hCG and/or hCG.
Life insurance is possible after testicular cancer treatment.
We’ll help you find the best companies based on your individual health history.
Please take a few minutes to request a quote and we’ll contact you for the details regarding your cancer history. Thank you.
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We take our responsibility seriously and will do whatever we can to make sure you end up with the best life insurance company based on your unique life insurance needs and situation.