by John Darer® CLU ChFC MSSC CeFT RSP CLTC
Nearly one in eight U.S. women develops breast cancer at some time in their lives. Men are not immune from the disease, as one of my high school classmates, a survivor, can attest.
Whether you are a young mother or father with a need to protect your children and your family, or you have an estate planning need, to protect your wealth, or a special needs child or adult, a history of breast cancer diagnosis is not an automatic decline for life insurance.
Breast Cancer Stages and Life Insurance Underwriting
- Most Stage 0 and many stage 1 breast cancers can be considered at standard rates after treatment.
- Most Stage 2 breast cancers can be considered one to two years after treatment, usually with a temporary flat extra rating.
- Stage 3 and 4 usually require a postpone period of three to five years before any coverage can be offered.
Background
The underwriting on breast cancer is primarily based on the Stage, 0 to 4. Stages 0 to 2A are considered localized just to the breast, where as Stages 2B to 4 are more advanced and usually have lymph node involvement or metastasis to other areas.
Treatments of breast cancer usually involve surgery (lumpectomy or mastectomy) followed by radiation therapy and/or chemotherapy, depending on the severity of the cancer. Additional treatment advances have been made with earlier diagnosis and therapies, together with gene testing, hormones, etc.
I have 40 years of experience in life insurance. For more information and/or a consultation,
Please call John Darer at 888-325-8640
Image source Cleo/Dreamstime
Last updated January 15, 2024
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