Improved Offers On Breast Cancer

Improved Offers On Breast Cancer

About 1 in 8 women in the US will develop invasive breast cancer over the course of her lifetime

In 2011, there were more than 2.6 million breast cancer survivors in the US.

A woman’s risk of breast cancer doubles if she has a first-degree relative (mother, sister, daughter) who has been diagnosed with breast cancer.

Getting life insurance for clients with a history of breast cancer can be challenging but thanks to one of our A+ carriers and their recent guideline changes, more of your clients with a history of breast cancer could be eligible for favorable rates.

Take a look at these case studies:

Case Study #1:
  • 60 year old female who was diagnosed with breast cancer at age 58
  • Low grade cancer with a positive estrogen receptor (ER)
  • Tumor size of 1.1 mm with no lymph node involvement (stage T1aN0)

Under the prior guidelines, this would be assessed as: Postpone for 2 years from end of treatment and in year 3 apply a Temporary Extra of $10 per thousand for 6 years.

The new rating under the updated guidelines: Non Smoker plus with no postponement.

Case Study #2:
  • 47 year old female diagnosed with breast cancer at age 40
  • Treatment ended at age 42
  • Tumor size is 1.5 cm with one positive lymph node (stage T1N1)

Under the prior guidelines, this would be assessed as: Postpone for 5 years from end of treatment and in year 6 apply Table B with a Temporary Extra of $20 per thousand for 5 years.

The new rating under the updated guidelines: Table B with Temporary Extra of $10 per thousand for 6 years after postponement of 5 years from end of treatment.