Have you noticed the pink ribbon everywhere this month? Or the pink attire that athletes around the nation are wearing?
It’s all in support of breast cancer awareness. I believe it’s a
great time to also spread awareness about the advances in life insurance
underwriting for breast cancer survivors.
With October being National Breast Cancer Awareness Month,
let’s spread awareness to the fact that breast cancer survivors are
seeing very affordable life insurance offers from many life insurance
companies on the market.
It wasn’t long ago when those who beat breast cancer had to wait 10
years from their last treatment to even be considered for life insurance
coverage. Life insurance underwriters have finally started loosening up
their underwriting stances toward breast cancer because of advances in
treatment, increased awareness and self exams.
And it’s about time.
Unfortunately, these advancements in breast cancer underwriting are
only known to the life insurance industry and not to the general public.
There’s a huge misconception by breast cancer survivors out there that
life insurance coverage isn’t an option and it couldn’t be further than
the truth. Agents around the nation are securing affordable life
insurance for their clients with a breast cancer history.
If you’re a breast cancer survivor, the first thing you’ll need to do
is collect the following information and present it to your life
insurance agent:
1. What was the specific type of breast cancer?
2. What was the stage and grade of the cancer? (MOST IMPORTANT – this should come from your post pathology report)
3. When were you diagnosed? And when did your treatment end?
4. How was it treated? (lumpectomy, mastectomy, chemo, radiation, etc.)
5. Any metastasis or lymph node involvement? If so, provide details.
6. What was the size of the tumor?
2. What was the stage and grade of the cancer? (MOST IMPORTANT – this should come from your post pathology report)
3. When were you diagnosed? And when did your treatment end?
4. How was it treated? (lumpectomy, mastectomy, chemo, radiation, etc.)
5. Any metastasis or lymph node involvement? If so, provide details.
6. What was the size of the tumor?
If any of the information above is missing, an agent can’t accurately
“shop your case,” meaning find a company that would be a fit for you.
Furthermore, having a copy of your pathology report will help
tremendously in prequalifying your risk. After providing this
information to your agent, let them take it from there.
Every life insurance company will look at your specific breast cancer
history differently and some more favorably than others. It’s your life
insurance agent who will use their expertise and resources to find the
most affordable coverage. Put your life insurance agent to work for you.
Securing life insurance for breast cancer survivors happens daily in our industry and spreading awareness to the current 2.9 MILLION+ breast cancer survivors will help protect more families who need this coverage.
If you’re a breast cancer survivor and are in the market for life
insurance, contact your life insurance agent. Affordable life insurance
rates are in your future