Life Insurance After Uterine Cancer (Endometrial Cancer)
Can it Be Done?
Determining if you can be approved for life insurance after uterine cancer can be difficult. We get it. We also want to help. Uterine cancer can most certainly have an impact on your ability you get approved for life insurance. Anytime we work with cancer survivors or individuals with cancer, we realize it’s high risk and know what work is on the table.
On the other hand, it may not be as damaging as you may think. At Good Life Protection, we strive to deliver the answers on how and what to do to gain approvals under special circumstances. Pre-existing medical conditions most certainly falls into this bucket of information we want to deliver.
All cancer is different and can have a completely different impact on your ability to purchase life insurance.
Not only does it impact if you will be approved or not, it can also impact how much you ultimately pay for the coverage. Our goal is to try and eliminate you paying one more penny than you need to. Follow our step by step guide here to give yourself the best opportunity at securing affordable life insurance after Uterine cancer.
Your future and family depend on it.
Who is Uterine Cancer Impacting?
This year alone, uterine cancer (endometrial cancer) Is the 4th most common cancer among women in the United States. Of these diagnoses, 92% of the cancer will occur in the endometrium according to cancer.net.
Uterine or endometrial cancer is on the rise and is currently being linked to the rise in the United States of obesity of overweight individuals.
What’s the good news?
The good news when it comes to uterine cancer and life insurance is that the 5-year survival rate is very high. Life insurance carriers love high survival rates. The current 5-year survival rate with uterine cancer is sitting at 81%. African American females however typically are diagnosed in the later stages of uterine cancer and the 5-year survival window is much lower at 62% according to cancer.net.
What are the Risk Factors?
Here’s a breakdown of some of the major risk factors when it comes to uterine cancer.
Average age of being diagnosed with uterine cancer is currently 60 years old. Your chances do however go up beginning at age 50.
Estrogen is directly linked to the additional risk for uterine cancer. Additional fatty tissue in women produces extra estrogen in women which in return causes about 40% of uterine cancer cases to be linked directly to obesity.
White women are more likely to develop uterine cancer in a lifetime. On the other hand, black women have a higher chance of the cancer being advanced or in the later stages making the uterine cancer more dangerous for black women.
Genetics always seem to major factor when it comes to cancer. Uterine cancer tends to impact families where colon cancer is hereditary.
Diabetes links back to obesity or extra estrogen production which in turns circles back around to increase the chances of developing uterine cancer.
Previous radiation therapy or another cancer in the pelvic area increase the chances of developing uterine cancer.
Probably sounds like we are beating a dead horse with this one. Foods high in animal fat increase the chances of developing uterine cancer.
Hormone replacement therapy (HRT) after menopause, or taking estrogen increase the chances of developing uterine cancer in the future.
How to Help Avoid or Prevent Uterine Cancer
Even though, no direct proof is shown that you can escape the dangers of any cancer, let alone uterine cancer, studies have shown over time that preventative measures can help at least reduce your overall chance of developing uterine cancer.
Birth control pills combine estrogen and progesterone and produce a monthly menstrual cycle. This over time reduces overgrowth of the uterine lining.
This is known as intrauterine device which is another form of birth control
Hormone replacement therapy is a direct link to something that increases your chances of developing uterine cancer so considering other alternatives before undergoing HRT may lower your overall chances of developing it.
Obesity, diabetes and extra fatty tissue directly increase your chance of uterine cancer, so to reduce these risk factors, maintain a healthy weight and active lifestyle to help further prevent the chance of developing uterine cancer.
Which of this information is Important for Life Insurance After Uterine Cancer?
The life insurance company is going to have several questions for you regarding your uterine cancer. It’s paramount that you are upfront with your agent about the answers.
It ensures you get the best possible rates and have the best chance of being approved. Here’s a look at the questions that will be asked following uterine cancer.
- Stage 0 (in Situ)
- Stage 1
- Stage 2
- Stage 3
- Stage 4
The answers to all these questions will begin to allow us to shop the life insurance market for you. Without the answers, it makes it very difficult to find a policy that could work for you. These answers also allow us to give you a pretty good guess at what rates you may be looking at for your policy as well.
Outside of the questions we discussed above, you have two other major factors that can go into your final rate you pay for the life insurance.
What Outcomes can you Expect after Uterine Cancer?
Again, this is not a one size fits all. A lot goes into determining your overall price and ability to be approved for life insurance after uterine cancer.
We work with over 60 life insurance companies as well, so we will do our best to give you an overview of the results or outcomes you may be able to expect shopping for life insurance.
A Standard Rating is your best possible outcome after Uterine cancer that classifies as stage 0- Stage 0 indicates that no spreading of the cancer has occurred. To achieve these rates, you would also need a clean family history, preferably a non-smoker and all other factors to be in good shape.
This stage of endometrial cancer will require a waiting period of at least one year before an approval is possible. Once this year has passed you are likely to get a sub-standard rate, but an approval is 100% possible after stage 1 uterine cancer.
Stage 2 with endometrial cancer is going to be the cut off for approvals. Any stage of cancer after stage 2 will only qualify for a Guaranteed Issue Life Insurance Policy. The reason you are on the borderline of an approval at this stage of the cancer is the mortality and overall risk of death is rising dramatically at this point and the chance the cancer has spread has increased greatly.
The Final Scope and What to Do Next
If your cancer was caught early and your ready to enter the market for life insurance, you have a good chance at getting approved and at good affordable rates. You have also come to the right place. We represent all the top carriers you are already familiar with.
In the life insurance market, you need a few key things. Knowledgeable agents, and many options. We can provide you with both. Reach out to someone at Good Life Protection today to see what we can do for you if you have had uterine (endometrial cancer) and are looking for some protection for you and your family.
Have we left anything out or do you have some questions for us? Drop a Comment below. We would love to hear from you.
Josh Martin is the founder of Good Life Protection. He began his career as a captive Agent working for New York Life Insurance Company. After continued education and designations, Josh founded Good Life Protection to provide consumers with more options and insurance that truly fits into your budget and health classification.