Life insurance companies love having all the information readily available and records and answers to be accurate.
It makes it much easier to gain an approval and for the life insurance company to accurately underwrite your case.
After you answer these questions, you will also have some questions to answer about your general health such as…
Do you take medications for any other conditions?
What’s your current height and weight?
Assuming you have all this information ready to go and or are willing to allow the insurance company to view your medical records, here’s some potential outcomes you may be looking after cervical cancer.
The biggest determining factor the life insurance company will look at is what stage the cervical cancer was when it was diagnosed.
This allows the company to somewhat predict future issues that could arise from the cancer diagnosis.
Preferred Plus– This rating just won’t be possible after having cervical cancer.
Preferred– Not only does cervical cancer disqualify you from this rating class, almost all cancers prevent you from achieving preferred rates even after a waiting period has elapsed.
Standard– This is a long shot, but this will be the absolute best possible outcome you can expect after having cervical cancer. You would also need other factors of your health to be in good shape to achieve this rating after cervical cancer.
Sub Standard Ratings– This would be where you likely fall for your rating after cervical cancer. Somewhere between a Table 2 and Table 6 rating assuming you had the cancer taken care of before it reached anything past stage 1 cervical cancer.
A minimum 2 years should be passed before applying after completing your cancer treatment.
Anything after stage 2 cervical cancer-
Unfortunately, if you had anything past stage 2 cervical cancer, your likely going to be declined traditional life insurance coverage. Stage 2 cervical cancer typically indicates that cancer complicated more organs or areas outside of the cervix. More than two years would need to pass before applying and don’t get your hopes up for the lowest rates or speedy approvals.
Worst case scenario, you should never turn your back on a guaranteed issue or an accidental death policy. These can be excellent policies to protect your family if all other options have been exhausted.
Where to begin
You need to carefully evaluate all options and consider many different companies before applying.
Have your ducks in a row and be prepared to answer the questions we discussed to gauge your chances at approval for traditional life insurance coverage after cervical cancer.
It can be done, it just requires a bit more work.
Don’t give up the fight however. If push comes to shove, consider other avenues of life insurance coverage so your family doesn’t go unprotected.
Give us a chance to help. Good Life Protection has handled hundreds of cases for individuals after completing cervical cancer and would love to help you too. Fill out the quote form to the right or drop a comment below. We would love to hear from you!
May the best price win!
Resources : NHS – NCCC – Mayoclinic