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Hysterectomy and Life Insurance
Have you had a hysterectomy but still want to get a life insurance policy that will offer your family and beneficiaries the best possible life insurance coverage once you die? Below, you will get an overview of what it will be like to apply for a life insurance policy after a hysterectomy so that you can be prepared.
Life Insurance after a Hysterectomy
What is a hysterectomy?
The uterus is an important part of the female anatomy. However, sometimes uterine problems may arise that make it necessary to remove it. A hysterectomy can be required or optional (to avoid further problems and ongoing pain).
Usually, a hysterectomy is not that big of an issue as far as life insurance policies are concerned. There are of course a few instances in which having a hysterectomy will impact your life insurance rate and eligibility.
Why did you have your hysterectomy?
The biggest factor for life insurance companies will be the reason you had a hysterectomy. If it was due to cancer then you will enter the high risk life insurance category.
If you had a hysterectomy because of:
- Uterine prolapse- Life insurance companies are likely to consider this to be no big deal. You may even qualify for a traditional rate despite a prolapsed uterus.
- Uterine fibroids- Again, a life insurance provider will likely find this to be not life-threatening, and thus, you will be easily insured. The only situation in which uterine fibroids become a concern is if there is any sign of cancer. Then, life insurance companies may hesitate to underwrite your policy or you will likely pay a hefty premium.
- Endometriosis- this is when some of the endometrial tissue starts to grow outside of the uterus. This can be extremely painful for a woman, but it is not life-threatening. Life insurance companies usually consider this to be nothing serious and it’s not likely to impact your life insurance rate.
- Cancer- As mentioned with uterine fibroids, any sign of cancer will raise a red flag for life insurance providers. They will take the matter on a case by case basis to determine whether or not to underwrite your policy, and if so at what rate. In most cases, the longer ago the cancer occurred—and you’ve been living a healthy life ever since—the better for your life insurance rate.
What will happen when I apply for a life insurance policy?
Whenever you apply for a traditional life insurance policy, you will have to undergo a physical examination. After that, the life insurance underwriter will likely want to interview you and find out more information about your specific medical case. In the instance of a person who has had a hysterectomy, she will likely be asked any or all of the following:
- When was your hysterectomy?
- What was the cause (see above)?
- Do you have any other uterine or reproductive issues?
- What kind of treatment were you taking before the hysterectomy?
- What kind of treatment have you had after the hysterectomy?
- Did you have any complications during or after the hysterectomy such as infection?
- What is your prognosis?
The main thing a life insurance company wants to find out is whether you have any serious risk of a shortened life span. As long as you are healthy now and your doctor says you are in the clear, then you should be good to go. As is the case with any major medical procedure, it’s best not to apply for a life insurance policy right afterward. Instead, wait a good six months after the procedure before you apply. This gives you time to prove your procedure was a success and there were no real issues after it.
How can I find the best life insurance policy post-hysterectomy?
Asking which life insurance is the best for hysterectomy patients may seem like a straight forward question, but realistically, it’s tough to answer. Sure, there are companies that will work in your favor. But the truth is, a life insurance provider will consider many other factors when issuing a life insurance policy.
For example, let’s say you have had a hysterectomy but you smoke. Then the best types of life insurance policies and providers are probably going to be different for you than for a non-smoker.
There are dozens of other variables aside from your hysterectomy or your smoking habits. It’s enough to make a normal person’s head spin! But don’t worry; that’s why TermLife2Go can help.
We are an organization with thorough knowledge of the life insurance industry. We understand all the policies offered by top players, and even smaller life insurance companies. This puts us in the right position to help you navigate the life insurance application process as well as recommend the right life insurance policy for all kinds of unique cases. No matter what your circumstances are, we will help you find the best and most affordable life insurance policy possible.
If you would like to know more about how TermLife2Go can help you find a great life insurance policy despite your medical history, then please call us for a free consultation today.
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