Breast cancer awareness month is the perfect time to talk about getting life insurance after breast cancer!
There are a few A+ rated insurance companies that will now offer Preferred rates on some breast cancer cases. To have a shot at getting a Preferred rate after breast cancer treatment, it will ideally have to be about 10 years since successful treatment or after five years for successful treatment of situ cancer, assuming you’ve had appropriate follow up with your doctor.
There is even one well known life insurance company that will offer you Standard or Regular rates immediately following successful treatment for specific localized breast cancer as long as you are age 40+.
Getting a preferred rate for any invasive cancer was unheard of even a few years ago, as was getting any life insurance right after successful treatment because there was always a waiting period of about 1 to 10 years after successful treatment had ended in the recent past.
This is great news for anyone that has had breast cancer and needs life insurance.
It Is Not Easy To Get an Accurate Quote After Breast Cancer
Without reviewing the pathology report from your cancer, getting accurate quotes can be difficult, as the exact staging information including the TNM staging can have a significant impact on the rate for which you’ll qualify and on the insurance companies that could make you best offer.
We have email addresses for underwriters and reps at hundreds of different Excellent and Superior AM Best rated insurance companies, so we can quickly and easily inquire with EVERY life insurance company with competitive rates.
No agent, broker or online life insurance website can offer you more life insurance companies than we can offer you. We represent so many different companies because this has proven to result in the best offers.
If you’d like to get a life insurance quote and have had breast cancer, then I’d recommend calling your doctor or oncologist’s office and ask them to send you a copy of your complete pathology report from your cancer. Then “white out” your name and identifying information to protect your privacy and fax or email it to me at 215-836-0828 or email it directly to me by clicking here.
In addition to your pathology results, current age, and overall health otherwise, I will also need to know the following information to get you accurate quotes and to narrow down best insurance companies for you:
- Date of your breast cancer diagnosis?
- How were you treated (i.e. removal of tumor only, lumpectomy, mastectomy, radiation, chemo, hormonal therapy- tamoxifen)?
- Date when ALL treatments were completed?
- Has there been any evidence of recurrence?
- Date and result of last mammogram?
Avoid Any Agent That Tries To Get You To Apply Right Away
I’ve recommended getting a copy of your path report above because I’ve done hundreds of cancer cases, and there is ABSOLUTELY no way that any agent, broker, or insurance website can tell you right away that any one particular insurance company will be best for you.
There are some well known insurance websites whose #1 goal is to get you to apply right away. There’s at least one that even requires you to provide your payment information (i.e. credit card or bank routing and account number) before they’ll deal with you.
If you deal with an agent/website like this, I can 100% guarantee you that you will NOT get the best offer.
Hang up the phone if on your initial call you’re asked if you’d like to “apply now” or if you’re required to provide payment to just to apply.
Don’t Apply Unless You’re Comfortable That You Got A Good Quote
We can offer you insurance from over 121 different insurance companies. It usually takes me a minimum of two to three days before I hear back from underwriters at every life insurance company after I make an inquiry for a tentative offer. Any offers are “tentative” until full medical records and life insurance exam results can be reviewed.
If any new issues turn up during the underwriting process and you don’t qualify for the rates I quoted initially, then I will have access to your medical records and insurance exam results, and I can easily re-shop your case to any other life insurance companies to get better offers. This won’t require you to do anything.
I have shopped over 10,000 life insurance cases over the past 22 years to hundreds of different insurance companies, so I have a LOT of experience and know what I’m talking about here.
I don’t want your credit card number, banking information, social security number, or anything else until I can find you the best insurance companies based on your exact breast cancer and other health history and you tell me you’d like to apply.
If You’ve Already Been Offered Coverage as Breast Cancer Survivor…
If you’ve recently been approved for ANY life insurance policy or you have an old policy that was placed in force after you had breast cancer, then your case should be re-shopped to all carriers as there is a very high likelihood that we can get you a better offer!
Please feel free to contact me at 1-800-380-3533 or just email me here, and I’ll research best case rates available to you from every quality life insurance company in America!
NOTE: If you’ve had recent breast cancer and you are under the age of 40 or if you’ve had a stage 2 or higher breast cancer, you will usually be postponed in the early years after treatment has ended and/or charged an extra premium in the early years after your cancer treatment. Let me know if I can help you.