It’s been a few weeks, but I wanted to bring an update on my Mom’s breast cancer process. As I’ve mentioned before, this isn’t really about my Mom, as she is past her life insurance buying days, but rather about the process and how her scenario might impact the quest for life insurance for a younger woman.
After a full body and bone scan it was determined that if any of the breast cancer had left the right breast and adjacent lymph nodes, it was an undetectable amount. This is good news knowing that it hasn’t traveled and set up shop (metastasized) somewhere else. This is not to say that cells haven’t migrated, but at this point as she starts treatment if there are cells that have migrated, they are random as opposed to organized.
Her oncologist has recommended 6 weeks of radiation therapy that will be aimed at the right breast and adjacent lymph nodes. She is about a week into that treatment and suffering no ill effects.
Because of her age, 84, the oncologist has put her on oral medication, Femara, rather than attempting to do a course of chemotherapy. Someone younger might do chemotherapy, but the oral medication at her age is considered adequate to hold any stray cancer cells at bay.
Life insurance underwriting in this case would be looking favorably at the apparent lack of metastasis. A woman would likely be able to start getting offers on life insurance about a year post treatment. The further out from the treatment with no recurrence, the better the offers will get.
Bottom line. With early detection methods continuing to improve and treatment options getting better all the time, early stage breast cancer is ultimately going to be much more insurable than it has in the past.