What medications are you currently taking or what medications are you currently prescribed?
Do you have a family history of cancer?
Do you currently use tobacco products?
Do you have any other issues or any other preexisting medical conditions?
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.
Age of Diagnosis. The younger you were at diagnosis, the tougher it is to offer life insurance after uterine cancer.
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.
Stage 0 (Carcinoma In- Situ)– 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.
Stage 1– 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– 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.
Resources: EverydayHealth – Medlineplus.gov – Cancer.gov – Medicinenet.com