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 Breast Cancer. Many insurance companies decline Breast 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.As breast cancer treatment progresses, obtaining an affordable life insurance quote is becoming more feasible when the illness is caught early and treated. Nevertheless, not all companies are as lenient as other and it is important to have a team like our on your side. We can use our expertise to help you determine which insurance companies will give you the best rate.
Here is some information we would need to know to help:
1. What type of breast cancer do you have?
2. What stage or grade is the illness at?
3. When were you diagnosed and when did your treatment end?
4. What kind of treatment did you receive?
5. Was there any metastasis or lymph node involvement?
6. How large were any tumors?
We would also appreciate a copy of your pathology report in order to facilitate your getting prequalified. Furthermore, keep in mind that most companies would prefer if some time has passed since your last treatment.
Breast Cancer and Life Insurance
Ductal Carcinoma In Situ and Lobular Carcinoma In Situ:
There may be a flat extra for 1-3 years if the patient is young. Prudential may offer Standard Plus rates for patients over the age of 40.
No Lymph Node Involvement or Metastatic Disease: (All depend on age & date of last treatment)
Stage 1, Grade 1: Flat extra of $5-$8 for 1-3 years
Stage 1, Grade 2: Postpone 1-2 year from date of last treatment, then flat extra of $5-$15 for 2-5 years
Stage 2, Grade 1: Postpone 2-5 years from the date of last treatment, then flat extra of $5-$20 for 2-5 years
Stage 2, Grade 2: Postpone 3-5 years from the date of last treatment, then $7.50-$20 flat extra for 2-5 years
One Lymph Node Involved: (depends on age & date of last treatment)
Stage 2, Grade 1: Postpone 3-10 years then $7.50-$20 flat extra for 2-5 years
Stage 3, Grade 2 or 3: Postpone 5-10 years. If 5 years out, $15 flat extra may be possible. After 10 years, consideration is made on an individual basis.
Stage 4, Metastatic Disease and/or Extensive Lymph Node Involvement:
Postpone 7-15 years, $20+ FE, then individual consideration. You’ll want to look into graded death benefit plans.
Leave it to Us
We are professionals with experience working with a wide range life insurance companies. Provide us with some necessary information to find you a quote, and we will help you find the best plan suited to your individual needs. Don't just settle for high rates– let us help you shop around for the best option.
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.