We know it can be frustrating searching for a life insurance policy with a history of Cervical Cancer.
Don’t fret. We can help!
we specialize in “high risk” life insurance.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Cervical Cancer? And if so…
2. How much will it cost?
Yes, most individuals with Cervical Cancer will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – Best case scenario for Cervical Cancer is one that is in early stage (in situ). Once surgical excision has been successful and there are no signs of recurrence of any lesion then it would be rated at “Standard”. Click here for quote at “Standard”.
Another best case scenario would be Cervical Cancer in any stage as long as it is localized and confined in a specific area. Once this is established in pathological biopsy, it may qualify for a “Mild Substandard” rating.
Moderate Case – Cervical Cancer cases in stage 1 that were diagnosed malignant, but underwent treatment may qualify for “Medium Substandard” on the 1st, 2nd and 3rd year as long as there are no signs of cancer progression. Click here for a quote at “Medium Substandard”.
Severe Case – Cervical Cancer in stage II, III and IV will all be declined.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
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 since you were diagnosed with Cervical Cancer?
Cervical Cancer that is diagnosed early will have a good chance of treatment and, therefore, cure. Successful surgery and treatment may get you a “Standard” rating.
2. Are there signs of tissue invasion outside of the cervix?
Symptoms of tissue invasion to the vaginal wall and pelvic floor may be a sign of advanced stage and may get you a decline.
3. Do you have any history of surgical excision?
If yes, what was the type of surgery (cone surgery or total hysterectomy) and when was the surgery performed? What was biopsy result? The biopsy result will determine the extent and stage of Cervical Cancer. Stage I will be rated appropriately, but if it is beyond stage I, then it will be declined.
4. Were there any recurrences since the first diagnosis?
A recurrence may be a sign of advanced stage of Cervical Cancer, if this occurs then a decline will be more likely.
5. Are you smoking?
Smoking has been associated with cancer and if you are currently smoking it may aggravate the Cervical Cancer and may get you a “Medium Substandard” rating or even a decline.
6. Are you currently taking any medication for other medical conditions?
A diagnosis of other medical conditions other than the Cervical Cancer may have to be re-evaluated to get an appropriate rating.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
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 Cervical Cancer
Cervical Cancer is an abnormal growth in the cervical opening of the vaginal canal located at the lower end of the uterus. Cancers of the cervix are often considered malignant neoplasms and are routinely diagnosed with a simple Pap smear exam.
The most common symptom of Cervical Cancer is abnormal vaginal bleeding during or non-related to the menstrual cycle. In most cases, however, it remains asymptomatic until the cancer has advanced in stage.
Other symptoms of Cervical Cancer include bleeding and moderate pain on sexual intercourse, vaginal tumor and vaginal discharges. In advanced stage, weight loss, back pain, pelvic pain, leg pain, loss of appetite and heavy bleeding is observed.
Related Keywords: cervical cancer, cervical neoplasm, cervical carcinoma, squamous cell carcinoma