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Breast Cancer Life Insurance

Breast Cancer Life Insurance

Breast cancer life insurance can be attainable and even affordable. Like most cancer, has the best chance of low life insurance rates if caught in the early stage of the disease. Insitu, a fully encapsulated tumor is considered a stage 0. The tumor is removed and generally there is no further treatment involved or required. Stage 0 can receive standard life insurance rates within a few months of the surgery.

Stage 1A, a breast cancer tumor that isn’t fully encapsulated but has only had microscopic invasion of the adjacent tissue with no lymph node involvement can receive nearly identical breast cancer life insurance underwriting consideration. Standard rates are available within 6 months of surgery if there isn’t any further treatment required (chemo or radiation).

Stage 1B is generally a life insurance postpone for two years from the end of treatment and then depending on the complete stage and grade will have a flat extra charge for the first 3 years of a policy, then a standard rate for the balance of the life of the policy. Example: A $100,000 policy could be approved after 2 years at a standard rate (let’s say $500 a year) and $5.00 per thousand extra for 3 years. The extra in this case would be $500 per year. At the end of the 3 years that $500 would drop off and the policy would be $500 a year total.

Stage 2 breast cancer would generally be a 5 year postpone and the a larger flat extra for 5 years. Stage 3 and 4 would be a 15 postpone.

When you call about receiving your own breast cancer life insurance policy quote, make sure you have your surgical pathology report available.

More Questions? Check Out Our Blog!

The Hinerman Group knows that every situation is unique and it can be difficult finding the best answers. Be sure to check out our blog where you will find a comprehensive bank of topics covered regarding Life Insurance. The background covered in The Hinerman Group blog will point you in the right direction and help you get your family the coverage you need.

Want to talk? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION. *Ed released the fish and it went on to have a full life. Occasionally Ed receives postcards from new waters and pictures of grandfish.

 

My 20 years of experience give me the knowledge and leverage to find reasonably priced Life Insurance for people who have been declined or are paying more than they need to.

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