Finding an affordable life insurance policy with Bladder Cancer can be quite the challenge.
Don’t fret. We can help!
At HighRiskLifeInsuranceAgencycom, we specialize in “high risk” life insurance.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Bladder Cancer? And if so…
2. How much will it cost?
Yes, most individuals with Bladder Cancer will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – The best case for Bladder Cancer are usually given to the following types: transitional cell carcinoma, adenocarcinoma, squamous cell carcinoma, sarcoma and small cell carcinoma. These types usually have very low risk tumor markers and are unlikely to have recurrences and may qualify for a “Standard” rating. Click here for quote at “Standard”.
There are also several cases that may qualify for a “Mild Substandard” rating. Those with moderate malignancy risk probability and tumors that measure less than 3cm. Other cases are those that have 3 lesions of the same size at one given point of time may also qualify for a “Mild Substandard”. Papillary Urothelial carcinoma with grade 1 or grade 3 cancers with less than 5 occurrences may also qualify for “Mild Substandard”. Click here for quote at “Mild Substandard”.
Moderate Case – Those Bladder Cancer cases that have lesions more than 3cm and cancer grade 1-2 with or without any recurrence may qualify for a “Medium Substandard” rating. Click here for a quote at “Medium Substandard”.
Severe Case – The following cases are considered severe and will be declined: moderate risk tumors with less than 3cm lesions, but have more than 5 recurrences, more than 2 occurrences of high grade tumors, a T2 node tumor with no cystectomy and T3 or T4 node positive will both be declined.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
NOTE: Absence of relevant APS or Bladder Cancer surveillance will have to undergo further investigation before a rating can be determined.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
1. How many years have you been diagnosed with Bladder Cancer and what is the size of the tumor?
Bladder Cancer is relatively benign in 90% of cases, so with early detection and management the prognosis is good and may give a “Standard” or “Mild Substandard” rating. The size also says a lot on the risks involved whether it is low, moderate or high. APS (Attending Physician Statement) or medical history from the time of diagnosis may also be used to determine the appropriate rating class.
2. When did you have your last follow up consultation?
Comparison can be made from the time of the first diagnosis and the last consultation using the APS to determine the health class.
3. Have you had any of the following diagnostic or surgical procedures and what were the results?
Endoscopy, endoscopy with resection, cystectomy, chemotherapy, radiation therapy or systemic therapy with the pathological results will be useful in determining the appropriate rating.
4. What was the stage of your Bladder Cancer and were there any recurrences since the first diagnosis?
The cancer stage, size of tumor and number of recurrences will be the most accurate way to determine the rating class for Bladder Cancer.
5. Do you have any recent urine cytology or cystoscopy result?
This will determine any recurrence and a most recent cancer case depending on the last tumor growth may have to wait to be resolved, otherwise, it may get a decline.
6. Are you smoking?
Smoking has been associated with cancer and if you are currently smoking it may aggravate the Bladder Cancer and may get you a “Medium Substandard” rating or even a decline.
7. Are you currently taking any medication for other medical conditions?
A diagnosis of other medical conditions other than the Bladder Cancer may have to be re-evaluated to get an appropriate rating.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Bladder Cancer
Bladder Cancer is an abnormal cell growth found in the urinary bladder. The most common type is called the transitional cell carcinoma. The cancer growth usually begins at the epithelial lining of the bladder.
Other types of Bladder Cancer, but are rare include squamous cell carcinoma, sarcoma, adenocarcinoma and small cell carcinoma.
The depth of cancer invasion determines the degree of cancer, and is used to identify tumor stage. A deeper level of abnormal cell invasion means a higher stage of Bladder Cancer.
Research studies show that men are commonly affected by Bladder Cancer probably due to the close association of this type of cancer to smoking. Prognosis is good once the tumor cells are completely removed.
Related Keywords: bladder cancer, bladder tumor, transitional carcinoma, squamous cell carcinoma, sarcoma, small cell carcinoma, adenocarcinoma