Bladder Cancer and Life Insurance
Finding a Policy Doesn’t Need to be Difficult
It’s not easy to find an insurance policy when you’re dealing with health issues like bladder cancer. Many insurance companies decline bladder cancer coverage, but at our brokerage, we are happy to help and will find you your most affordable option. Instead of trying to find a policy yourself, let us help you narrow your options. We are familiar with many impaired risk life insurance companies, making us well-equipped to find you the best rate possible.
Trying to look for your own rates can be extremely difficult and might not give you the best results. Assuming that all insurance companies' policies on bladder cancer are the same would definitely land you with a more expensive policy, or no policy at all. That's why we're here. We know how life insurance companies determine health ratings for bladder cancer. Since they all do this differently, we are the most efficient and proficient in finding you an affordable policy that meets your needs.
If you have had bladder cancer within the past year, or currently have bladder cancer, you may only qualify for a graded death benefits policy. You may get a better rate, however, if you have a lower grade cancer, or do not have multiple tumors. Your rate will also be lower if you regularly follow up with urine cytology and cystoscopy. This signals to underwriters that you are not experiencing any recurrences.
Here is some information we need to help you find a policy
- How was the cancer treated?
- When was your treatment finished?
- Have you been taking any prescribed medications?
- What stage was the cancer?
- Were lymph nodes involved? If yes, how many?
- Have you been told there have been any recurrences?
Life Insurance Ratings
You may be offered a standard rate if you have Ta, a papillary urothelial neoplasm with low tumor risk. You may also be able to obtain a standard rate if it has been at least three years since you have grade 1-2, had three or fewer tumors or all tumors were less than 3cm in size. If it has been less than three years, you will likely have to pay a $5 fee per $1000 upcharge.
If you have moderate risk tumors– generally considered to be more than 3 tumors at one time or larger than 3 cm in size. Also considered moderate are low grade papillary urothelial carcinoma: T1, grade 1. Ta, grade 3. To get a standard rate, you'll need to have had no recurrences over the course of seven years and follow up. After a year, you may still receive coverage, but most companies will charge a flat extra of $7.50 per $1,000 of coverage until you get to the end of those seven years.
If you have a high-risk tumor, you will likely not receive a standard rate until after ten years. You would also pay $10 per 1,000 flat extra until you reach that the end of those ten years. However, you would have to wait two years before securing coverage. A high-risk tumor is usually classified by high-grade intra-urothelial neoplasm, high grade papillary urothelial carcinoma, T1 – grade 2-3.
Some agents don’t look into the details of your case, so they’re ignoring factors that might increase your chances of getting a good rating classification. On the other hand, we are specialized agents in high-risk insurance. As a brokerage, we are only interested in helping you find your best insurance options. Don’t hesitate to give us a call at 212-484-9888 for some peace of mind in knowing you’re getting the best rate.