We know it can be frustrating searching for a life insurance policy with a history of Seminoma.
The good news is there is hope. At High Risk Life Insurance Agency, 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 Seminoma? And if so…
2. How much will it cost?
Yes, most individuals with Seminoma 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 – A best scenario for Seminoma is a case detected and removed surgically early during the cancer stage. A yearly, routine blood test for PLAP or hCG that shows absence of cancer cells will confirm cure from Seminoma. Most of these cases have a “Standard” rating. Click here for quote at “Standard.”
Moderate Case – A “Mild Substandard” case for Seminoma would be more than 5 years after successful surgery without other treatments like chemotherapy or radiation. If you are a smoker and had been out from surgery or treatment less than 5 years it may be rated at “Medium Substandard.” Click here for a quote at “Medium Substandard”.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard or Medium Substandard), please see the questions below:
1. At what stage was your Seminoma diagnosed?
Seminoma that is detected in its early stage and aggressive surgery immediately done and with no signs of recurrence has a 95% chance of cure. Most of these cases get a “Standard” rating.
2. Do you have a history of recurrence?
No history of recurrence from Seminoma germ cell tumor and other symptoms of swelling and pain for over 5 years after a successful surgery and treatment is a good sign of prognosis and may get a “Mild Substandard” rating. Less than 5 years clearance from Seminoma may get a “Medium Substandard” health class.
3. Are you a smoker?
Smoking has been known as a predisposing factor for all types of cancer, so if you are a smoker, chances of getting a “Medium Substandard” rating is high. This is regardless if you had been cleared below or above 5 years after surgery or treatment.
4. What treatment or management was done for your Seminoma?
If you only had surgery without other treatments and had been out from surgery for more than 5 years, it may get you a “Standard” rating. If, however, other treatments like chemotherapy or radiation was done it may mean a more invasive case of Seminoma or a case undetected early, it may get you a “Mild Substandard” or a “Medium Substandard” health class.
5. Do you subject yourself to a yearly cancer screening?
Cancer screening may be done by visiting your physician at least once a year. Laboratory tests would also be done to prove absence of recurrences. Lastly, a self-testicular examination will make you aware if there are changes that may be signs of Seminoma. These are good signs of compliance that may get you a “Mild Substandard” or “Medium Substandard” 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 Seminoma
Seminoma is a form of germ cell tumor of the testicles also called classical seminoma or pure seminoma. This type of cancer commonly affects young men between 20 to 39 years of age.
High risk factors for Seminoma include a family history of cancer, undescended testicles and abnormal testicular development.
Symptoms of Seminoma include pain, swelling, testicular atrophy, low back pain and may or may not have a palpable tumor.
Related Keywords: seminoma, testicular cancer, germ cell tumor of the testicles, classical seminoma, pure seminoma, undescended testicle