It’s not uncommon for men to hesitate about purchasing life insurance after battling a health condition. Especially if it’s a more serious condition such as testicular cancer. Life insurance for cancer patients can always be scary and we get that.
The sad truth is that obtaining life insurance after testicular cancer may be achievable.
Life insurance after testicular cancer is more achievable than you may believe. The question we hear from individuals frequently is entirely straightforward. Can I be approved for life insurance after testicular cancer? As an agent and agency owner who specializes in high-risk life insurance, here is what I can tell you on this topic.
So, can I be approved for life insurance after testicular cancer? Yes, you can be approved for life insurance after testicular cancer. To be approved for life insurance after testicular cancer, you will need to be in remission, and the prognosis will need to be positive. Additionally, the life insurance company will want to verify your progress and current cancer status with your primary cancer doctor.
This is the black and white answer that’s necessary to explain if you plan to apply for life insurance with testicular cancer. A few more pieces of information, and a few more steps will be involved in the process before you are entirely out of the woods.
This post is designed to break that down for you step by step. I want to illustrate the process and advise everyone shopping currently with testicular cancer or after defeating the testicular process of the steps and necessary things you can do to prepare adequately for what’s to come soon.
However, we always recommend that if you are trying to save time that you should stick to comparing rates and quotes with all life insurance companies.
You can do this easily below using our instant life insurance quotes rate engine to compare rates with 50 of the top rated life insurance companies.
You can do this easily by using our rate engine directly below.
The Process of Getting Approved for Life Insurance After Testicular Cancer
Getting approved with any form of cancer can always be a more involved process.
One of the most important things to understand is that testicular cancer is much less prevalent than individuals may believe. A saddening statistic is that it’s often diagnosed in men as early as their mid-30’s.
In 2019, The American Cancer Society stated that only 9560 new cases of testicular cancer will be diagnosed in which 410 of those will result in death. It’s so uncommon that only 1 out of every 250 males will develop testicular cancer at some point in their lifetime.
Currently, the average age of diagnosis is 33 years old. The big positive that life insurance consumers are often clueless about is the statistics the life insurance companies are primarily concerned with. Only 1 in 5000 individuals currently face terminal testicular cancer, and the treatments are very useful.
The life insurance companies are aware of this. If you have your ducks in a row and can go through the process efficiently and with the correct information ready to go, you can certainly be approved for life insurance with testicular cancer.
The first thing the life insurance companies are going to look at comes down to the stage of testicular cancer and when it was diagnosed. Let’s look at where your testicular cancer is commonly classified and how it may impact your abilities to obtain life insurance.
The Stages of Testicular Cancer with Life Insurance, The TNM System
These are the possible classifications that your testicular cancer will fall into. T4 would be considered the worst possible scenario where the cancer is diagnosed as a large tumor, and cancer has also spread to the other areas and surrounding tissues outside of the testical.
T1 would be known as only having cancer present in one of your testicals. TIS would be the diagnosis when cancer has not even formulated in the testical but the cancer cells have been indicated and are showing the possibility of presenting soon within the testicals.
Up next, you will need to worry about the nodes which can be broken down into 4 categories.
Nodes and How They Impact Testicular Cancer and Life Insurance
With almost all cancers, lymph nodes are a big part of the equation. Testicular cancer is no different in this respect. Like I stated previously, you have 4 significant classifications that your testicular cancer may fall into.
Here’s a quick break down of the node classifications you may experience with testicular cancer.
- N0- Cancer Cells Have Not Begun to Spread
- N1- Cancer Cells Have Signs of Progress and Have Moved Away from The Testes
- N2- Cancer Cells Have Moved to Other Major Organs
It’s easy to see which of these few classifications would raise more red flags to the life insurance company compared to other classifications. In all reality, while this is the most critical data the life insurance company will ultimately want, it’s also crucial that you understand a few other things.
A Broad Overview When Applying for Life Insurance with Testicular Cancer
So, we touched on a few of the big categories of how testicular cancer can be classified when applying for life insurance. Of course, you have a few other factors that will be considered as well, such as the following.
- Metastasis Classifications
- S Stage or No S Stage
- Other General Health Information
Uh oh, I know what you’re thinking. Josh, they are going to look at my general health in addition to my cancer. Of course, they are going to look at your general health in addition to your health. Let’s take the time to relieve some of that anxiety now and break down what they are looking for exactly.
General Health Overview When Applying for Life Insurance with Testicular Cancer
Alright, so now we move into the part of the life insurance application process that everyone must encounter no matter what their health situation may be. This is the general health part of the application that the life insurance companies want to know before moving forward.
This is ultimately part of the process that’s going to determine if you can be approved for coverage and if you can it’s going to help determine what price you will ultimately pay for your coverage. Here’s a look at some of the questions that you can expect during this part of the process.
- Do you currently use any tobacco products?
- Do you have any family history of heart attack, stroke, or cancer?
- What’s your current height and weight?
- Do you take any medications?
- Do you have any hospitalizations in the past 5 years?
These are the big bulk questions, but the life insurance company will have other little questions that they will ask, such as foreign travel, history of bankruptcies, and criminal record is also part of the equation.
Depending on your answers during this part of the process ultimately makes or breaks your total chances of being approved. However, what you need to realize is that companies are always available when you opt to use an independent life insurance agent and independent life insurance agency.
Only Use an Independent Life Insurance Agency When Applying for Life Insurance After Testicular Cancer
What I was referring to previously is that using an agent who has access to an extensive list of companies to choose from. This ultimately gives you the best chance of being approved for life insurance after testicular cancer.
Options like this are always huge to have as a backup and ultimately allows you to take care of your family in a time of need and financial protection.
Chances of Being Approved for Coverage After Testicular Cancer
Your chances of being approved for coverage after having testicular cancer can, of course vary. It’s going to depend on your general health as well as your current condition with your testicular cancer.
However, let’s assume a few scenarios. Let’s assume that you have a strong prognosis and everything else looks good. Unfortunately, the best-case scenario is still likely going to be a sub-standard rating. This alone is nothing to fret over. We can undoubtedly get you approved for coverage.
All this means is that you are likely to pay a few extra dollars per month for your coverage. Protecting your family is always still the most essential factor to consider when shopping life insurance. If you potentially had a stage 2 or 3 situations, you may have to wait before applying for traditional coverage.
Again, no big deal and we are indeed to help if that’s the case.
All You Need to Do Is Get Started
Getting started is the most important thing to do when shopping for life insurance regardless of if you had testicular cancer or not. Simply begin by filling out the instant quote form on the page to begin comparing rates between the top life insurance companies that we all know and trust.
At the end of the day, we are always confident we can find you coverage regardless of the situation. You just must try and get the process started.
FILED UNDER – CANCER LIFE INSURANCE