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Qualifying for Life Insurance with Bladder Cancer
Bladder cancer is one of those pre-existing medical conditions where it really difficult to provide a definitive answer to new clients when asking:
“Will I be able to qualify for a traditional term or whole life insurance policy?”
The difficult lies…
In the wide range of in the “nature” of bladder cancer and the wide range of potential outcomes that are possible for those who are diagnosed with bladder cancer.
It’s not all that uncommon for individuals who have been diagnosed with a Stage 0, noninvasive papillary carcinoma to be able to qualify for a traditional term life insurance or whole life insurance policy 1 to 2 years after their last date of treatment.
Someone who has been diagnosed with a Stage IV metastatic bladder tumor may not even be eligible after being cancer free for over 10 years!
So, whatcha got? Or What did you beat?
You see, in addition to all the “normal” questions about one’s health and lifestyle, when it comes time to helping someone who has been diagnosed with bladder cancer find a traditional term or whole life insurance policy, we’re also going to need to know about what “type” of bladder cancer they were diagnosed with. And… what stage of cancer did it end up developing into prior to it being “cured”.
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So, with this in mind…
Let’s just take a moment and briefly discuss the different “types” of bladder cancer an individual may be diagnosed with and how the different “stages” of bladder cancer will affect what types of life insurance policies you may or may not be eligible for as well as what rate you may be expected to pay.
At this point it’s also…
Probably a good idea to remind everyone that we’re not medical professionals and we’re certainly not doctors. All we are is a bunch of life insurance agents who just happen to be really good at helping folks with pre-existing medical conditions like bladder cancer find quality life insurance policies that they can qualify for.
So… if you’re looking to have any “medical” questions answered, give your doctor a call, cause we’re not qualified to answer any medical questions you may have. But, if you’re just looking for help purchasing a life insurance police, well then… keep on reading!
Types of Bladder Cancer.
In most industrialized nations, nearly 90% of all bladder cancer cases will be caused by transitional cell carcinomas called Urothelial carcinomas.
The remaining 10% of all bladder cases will consist of both squamous cell carcinomas of the bladder which will account for about 4% and Adenocarcinomas which will account for about 2%. Other less common types of bladder cancer will include sarcomas, and small cell anaplastic cancer which is particularly prone to metastasizing to other parts of the body.
And while it’s important…
To know what “type” of cancer you have, knowing what stage your cancer has progressed to will generally be more critical in determining whether or not you’ll be eligible for a traditional term or whole life insurance policy.
Stages of Bladder Cancer.
Stage 0 bladder cancer is cancer that has been diagnosed early on, and is used to describe a “tumor” or cancerous cells that are found only along the inner lining of the bladder. In this stage, the cancer will not have invaded the muscle or connective tissue of the bladder wall.
Insurance applicants applying for life insurance with Stage 0 bladder cancer will have the best chance at qualify for coverage and may even be able to qualify for a Standard or non-rated life insurance rate provided that they apply for coverage 12-24 months after being declared “cancer free”.
Stage 1 bladder cancer, is defined as a tumor that has grown through the inner lining of the bladder and has entered into the lamina propria. The good news is that the tumor has not yet spread to the thick muscular layer of the bladder wall or entered into the lymphatic system.
State 1 bladder cancer survivors may still be eligible for coverage and will usually benefit by waiting at least 1 to 2 years before applying for a traditional term or whole life insurance policy.
Stage 2 bladder cancer, is defined as a tumor that has spread into the muscle wall of the bladder. The good news is that stage 2 cancers haven’t entered into the fatty tissue surrounding the bladder and has not yet entered into the lymphatic system.
The bad news is that these types of bladder cancers are usually described as invasive and will often be more difficult to treat than stage 0 and 1 cancers. Additionally, insurance companies will now begin to show more caution in approving applicants that have survived these types of cancers which will make getting approved for coverage more difficult and will usually require that an applicant wait at least 3-5 years before they will be willing to even consider your life insurance application.
Stage 3 bladder cancer, is defined as a tumor that has not passed through the muscle layer and into the fatty layer surrounding the bladder. Stage 3 cancers will also frequently spread into the prostate or uterus/vagina depending on the gender of the patient.
And.. while it is “technically” possible for an individual who has been diagnosed with stage 3 cancer to qualify for a traditional term or whole life insurance policy, the waiting period prior to being approved for coverage will typically exceed 5-7 years.
Stage 4 bladder cancer, is defined as a tumor that has either:
- Spread from the bladder into the pelvic wall or abdominal wall, but not entered into the lymphatic system.
- Or, the tumor has invaded the lymphatic system and entered in one or two “reginal” lymph nodes.
- Or the tumor has simply managed to metastasis to some other part of the body with or without lymph node involvement.
In cases like these, what you’re generally going to find is that regardless of how long you’ve been cancer free, most (if not all) life insurance companies are going to choose not to provide coverage.
Which means that…
If you’ve been diagnosed with stage 4 bladder cancer or you’re currently treating your bladder cancer OR you’ve only just recently entered into REMISSION, you’re going to need to pursue an “alternative type” of life insurance if you’re looking to qualify for coverage.
Alternative types of life insurance such as…
Guaranteed issue life insurance policies. Guaranteed issue life insurance policies are life insurance policies that aren’t going to require you to be able to “medically” qualify. Which means that you’re not going to have to take a medical exam or answer any health-related questions. All you’ll need to do in order to qualify for a guaranteed issue life insurance policy is be able to demonstrate that you:
- Are a US citizen,
- Live in a state where guaranteed issue life insurance policies are offered,
- And that you meet the minimum age requirements.
And that’s it!
But just because you…
Can qualify for a guaranteed issue life insurance policy doesn’t mean that you should run out and buy one. You see, these “types” of life insurance policies are going to come with their disadvantages. Disadvantage such as:
- Low policy limits,
- Higher “dollar for dollar” premiums vs more traditional types of life insurance policies,
- And guaranteed issue life insurance policies will contain a Graded Death Benefit, which will limit when your guaranteed issue life insurance policy will begin covering your for “natural” causes of death.
Don’t be, we know that in this article, we covered quite a bit of information, and in doing so, we had to be a bit “vague” in some areas simply because when it comes to helping someone who has been diagnosed with bladder cancer, there really are no simple answers.
And while we’d love..
To tell you that insurance company X, Y or Z are always going to be the best for someone that has been diagnosed with bladder cancer, the truth is that because there are so many factors that may come into play, we simply won’t know “which” life insurance company or which “type” of life insurance policy is going to be “best” for you.
What we can tell you is…
That here at TermLife2Go, we have worked very hard to establish quality relationships with dozens of highly rated life insurance companies so that when it comes time to helping you find the “best” life insurance policy that you can qualify for, we don’t have to rely on just one or two options. Instead, we can “shop” those companies and make them “compete” for your business.
So, what are you waiting for? Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!