Finding an affordable life insurance policy with Testicular Cancer can be quite the challenge.
Don’t fret. We can help! Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
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 Testicular Cancer? And if so…
2. How much will it cost?
Yes, most individuals with Testicular 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 – Testicular Cancer stage I (tumor or lump found only in the testis/testes) with completed treatment including surgery, radiation or chemotherapy may immediately qualify for a “Mild Substandard” rating even on the first year post treatment. Click here for quote at “Mild Substandard”.
NOTE: Other stages will have the following requirements to be rated:
Testicular Cancer stage II (Metastasis to the abdominal cavity and nearby lymph nodes) will have to wait for 2 years after completion of treatment before it can be rated.
Testicular Cancer stage III (Metastasis that reached above the diaphragm, nearby lymph nodes and surrounding organs) will have to wait for 2 to 4 years after completion of treatment before it can be rated.
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 (Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
How many years since you were diagnosed with Testicular Cancer?
The number of years since the first diagnosis of Testicular Cancer plus the stage when it was discovered will determine the rating. Testicular Cancer stage I that was diagnosed early and completed the recommended treatment has a good chance of cure. This may get you a “Standard” rating.
What treatment options were used?
The type of treatment used may show how aggressive is the Testicular Cancer. Some of the treatments include surgical removal of the tumor, radiation therapy, and chemotherapy or combination of these therapies.
When was the surgical procedure / treatment completed and where there signs of recurrences?
Depending on the stage of Testicular Cancer and the period post treatment, the rating may be determined. For stage I the best rating will be a “Mild Substandard”. For stages II and III, 2 to 4 years post treatment may have to be required before a rating can be given. Signs of a recurrence may have to be reevaluated to determine the appropriate rating.
What was the stage of your Testicular Cancer?
The cancer stage, plus the number of years post treatment is a good gauge to determine the appropriate rating class. The best rating that can be given for stage I Testicular Cancer is at “Mild Substandard”.
Do you have your most recent AFP (alpha fetoprotein) and hCG (human chorionic-gonadotropin)?
These laboratory tests are the best screening for Testicular Cancer tumor markers. An abnormal or increased marker may be a sign of recurrence and may require any rating to be postponed.
Are you smoking?
Smoking has been associated with cancer and if you are currently smoking it may aggravate the Testicular Cancer and may get you a decline.
Are you currently taking any medication for other medical conditions?
A diagnosis of other medical conditions other than the Testicular Cancer may have to be re-evaluated for a possibility of a metastasis before an appropriate rating can be determined.
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 Testicular Cancer
Testicular Cancer is an abnormal lump that develops in the male reproductive system, the testicles. This type of cancer is common among men whose ages are 20 to 39.
Although common, Testicular Cancer has a very good prognosis and cure due to the advanced treatment options available today.
Most common symptoms include a painless mass or tumor found in the testes, swelling, dull or sharp pain in the scrotum or lower abdomen, heaviness in the scrotal area, breast enlargement (gynecomastia) and low back pain.
Related Keywords: testicular cancer, epididymal cysts, testicular microlithiasis, germ cell cancers, nongerm cell cancers, seminomas, nonseminomas