Ovarian cancer is one of the more serious cancers for women, usually because it isn’t found until the mid to late stages. Finding life insurance after ovarian cancer isn’t impossible, but if you don’t know where to go to get the best chance of approval, it could seem like an impossible mountain to scale.
We specialize in higher risk life insurance policies, so we help you in navigating the companies to give you not only the best shot at securing coverage, but doing so at the best prices available.
Not all cases for traditional life insurance after ovarian cancer can be insured right away, but there are policies you can get in the meantime until you can re-apply later.
Because ovarian cancer is different for all women, and can be found at different stages and levels of severity, every woman who applies for life insurance after ovarian cancer could have a completely different experience. Variables range not only on the medical side, but on the underwriting side. There are a large host of life insurance carriers, and each has their own underwriters who view the information they’re given.
In order to get a better idea of what factors hold t he greatest weight in purchasing your own life insurance after ovarian cancer, let’s take a look at what ovarian cancer is, what symptoms and conditions could change your rating, and best practices when applying. The Ovarian Cancer National Alliance says:
Ovarian cancer is a growth of abnormal malignant cells that begins in the ovaries (women’s reproductive glands that produce ova). Cancer that spreads to the ovaries but originates at another site is not considered ovarian cancer. Ovarian tumors can be benign (noncancerous) or malignant (cancerous). Although abnormal, cells of benign tumors do not metastasize (spread to other parts of the body). Malignant cancer cells in the ovaries can metastasize in two ways: directly to other organs in the pelvis and abdomen (the more common way), through the bloodstream or lymph nodes to other parts of the body.
Just in this brief overview of ovarian cancer, we already have several variations of what you could experience. Just because tumors have been found on your ovaries does not mean you have ovarian cancer. Benign tumors, while not a threat for spreading cancer to other parts of your body, could still be a cause of symptoms both acute and chronic. On the other end of the spectrum, you could have a rapidly spreading (metastasizing) cancer which affects more than just your ovaries.
If benign tumors have been found, removal may still be recommended. If no other symptoms or signs of ovarian cancer exist, and removal has been completed, you could be eligible for Standard or better rates. This, of course, depends on your ability to qualify excluding the tumors.
If the tumors found are determined to be cancerous, it’s time to start getting more specific to determine what your options are for life insurance after ovarian cancer. Here are the first few questions we would want to know in order to begin obtaining accurate quotes:
Because of all the variable in ovarian cancer, the more specific you can be, the better idea we can have of where to begin. If you discovered the cancer at an early stage and had little to no complications after a successful removal, you could see as high as Standard rates depending on your time of application. Some carriers require you to wait a designated time period after your first negative test, such as 12 months, so keep this in mind.
On the other hand, if you were diagnosed at a late stage with non-localized cancer, you could be required to wait as long as 60 months to have a chance or even been declined. This stage is highly metastasized and difficult if not impossible to treat long term. If you find yourself unable to find traditional life insurance after ovarian cancer because of this stage, you could still purchase graded life insurance for minimal coverage.
If you need assistance in finding life insurance after ovarian cancer, we’ll do our best to help. Because we’re independent, we can search through 50+ companies to find the best underwriting guideline which suits your case to secure you the best coverage possible. Contact us today for a customized quote.