Underwriting Breast Cancer

Underwriting Breast Cancer

Did you know?
  • About 1 in 8 women in the US will develop invasive breast cancer over the course of her lifetime
  • As of January 2018, there are more than 3.1 million breast cancer survivors in the US
  • A woman’s risk of breast cancer nearly 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, 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)

This could qualify for 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)

This could qualify for Table B with Temporary Flat Extra of $10 per thousand for 6 years; or possibly reduced to only 1 year on the Flat Extra timeframe if the one positive lymph node was no greater than microscopic disease (<2mm).

Contact our Underwriting Team to find the best possible offers on your impaired risk cases.