Qualifying for Life Insurance with Fibrocystic Disease.

If you’ve been diagnosed with fibrocystic disease, you probably have some questions about qualifying for life insurance!

And… guess what? You’ve come to the right place. We can help you learn everything you need to know about applying for life insurance with fibrocystic disease.

  • Is it possible to qualify?
  • How will the underwriter view you?
  • How do they view Fibrocystic Disease?
  • Is one policy better than another?

These are the kinds of questions we can help you answer – and more!

About Fibrocystic Disease.

Fibrocystic disease is a condition where a woman has lumps—normally painful—in her breasts. Some important things to know about it:

  • It is not cancerous
  • More than 50% of women have it at least once in their lives
  • Other changes in the breast, including discharge, nipple changes, or redness are NOT associated with fibrocystic disease. These things may mean something bigger.

Fibrocystic breast disease itself is not dangerous. However, it is important to make sure it is not cancer.

Causes of Fibrocystic Disease.

The main cause of fibrocystic disease is simply a change in hormones – something that happens to every woman at least sometime.

Symptoms of Fibrocystic Disease.

Symptoms are all found in the breasts:

  • Swelling
  • Tenderness
  • Lumps that are painful
  • Often flares up near or during period

Treatment Options for Fibrocystic Disease.

The most common way to solve the problem of fibrocystic disease is to get your hormones on track! This can be done through:

  • Birth control medications
  • And/or hormone therapy

Getting Life Insurance with Fibrocystic Disease.

Most life insurance companies will not really care about fibrocystic disease – that’s because it is in no way life threatening.  Which means that you’ll have a really good chance at qualifying for either a traditional term or whole life insurance policy that will require that you take a medical exam or a no medical exam life insurance policy which will allow you to “skip” exam!

Now in either case…

The insurance companies will want to know that you have done necessary exams to 100% rule out breast cancer:

  • Mammogram
  • Possibly biopsy or MRI of breast tissue

You should also not have any of the symptoms associated with breast cancer.


Some life insurance companies may scrutinize your treatment options. If you are doing nothing for your fibrocystic disease (which, a lot of women choose to do nothing except endure!), then that’s great! Life insurance companies will be happy with this.

If you’re taking hormone therapy…

Life insurance companies will want to know exactly what kind. Some hormone therapies are associated with some risks. Because of this, some (not all) life insurance companies may take these treatment options into serious consideration when they underwrite your policy.

For this reason, there is a chance that your hormone therapy will prevent you from getting a preferred rate with some insurance carriers.

Getting a preferred rate with fibrocystic disease is possible…

Even if you are getting hormone therapy, it is possible to find a life insurance company who will give you a preferred rate. You should have:

  • ONLY benign lumps
  • Non-progressive fibrocystic disease
  • Done all the necessary tests and medical exams – and come out clear
  • A great driving records and a lifestyle that’s not risky
  • Good health
  • Not had surgery in the last 12 months
  • No major family medical problems

If everything adds up, then there is no reason why you should not qualify for a preferred rate with fibrocystic disease.

Keep in mind…

Not all life insurance companies judge health issues and lifestyle choices in the same manner. There’s a chance something in your life could raise concern at a particular life insurance company, but not at others.

That’s why it’s so important that even if you think you’re pretty healthy, you turn to experts to find you the best life insurance.

You Can Count on Us…

To find you the best life insurance policy at the best rate possible! We want to help healthy and not-so healthy people to find the best life insurance possible. We believe that everyone deserves to offer their family and loved ones the protection of a good life insurance policy.

We dig until we find it…

We find out everything that a life insurance company would about you and your medical/lifestyle issues…and then we use that information to find you a life insurance policy in your budget that offers great coverage. We can do this because we work with dozens of life insurance companies! So we’re sure to find you an exceptional policy for your situation.

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!

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