Life Insurance with Testicular Cancer – Useful Facts you need to Know

What is Testicular Cancer?

Testicular Cancer can be defined as a disease in which the cell becomes cancerous in one or both of the testicles. This process mostly starts with the germ cells. Testicular cancer is formed by germ cell tumors which can be divided into two categories seminomas and nonseminomas. The process of growth in both the cases is different, and so is the treatment. Nonseminomas type is more likely to grow fast and spread more quickly than the seminomas type.A person is vulnerable to testicular cancer during the age of 15 to 35 years.

Types of Testicular Cancer

1. Germ cell Tumors: Majority of Testicular cancers originates in cells known as germ cells. Thecells that are responsible for the production of sperms. The most important types of germ cell tumors (GCTs) in the testicles are seminomas and non-seminomas.

2. Seminomas: Seminomas tend to proliferate more slowly than non-seminomas. The two main sub-types of these tumors are classical (or typical) seminomas and spermatocytic seminomas. These normally occur in men between 25 and 45.

3. Non-Seminomas:These types of germ cell tumors usually occur in men between their late teens and early 30s. The four main types of non-seminoma tumors are:

embryonal carcinoma
yolk sac carcinoma
choriocarcinoma and
teratoma.

Majority of tumors are a mix of different types (sometimes with seminoma cells too), but this doesn’t change the treatment of most non-seminoma cancers.

Life Insurance with Testicular Cancer

Does life insurance cover testicular cancer? Getting a life Insurance with testicular cancer is quite a straightforward affair with very affordable rates, but with certain conditions. Every year in America 8,500 men are diagnosed with testicular cancer. Because it is a deadly disease in some cases, life insurance after testicular cancer considered a high-risk practice for insurance companies.

Not all types of cancer will allow a person to get traditional term life insurance policies, but fortunately, testicular cancer is one type which has a higher success rate of recovery than some others. We understand that searching for life insurance with or without a health issue is a daunting task and is the job of a competent insurance agent.

The mortality rates in testicular cancer are improving due to the enhancement in treatments, and as a result, some of the insurance companies are providing fantastic rates for life insurance with testicular cancer – you just need to find one which suits your budget.

If you are within the first few years of testicular cancer try out the options of offerings your employer has or even the benefits your spouse’s company offers. Most people can’t afford life insurance when loading is involved, so these might be your saving grace.Once the hunt starts for an affordable policy, the first and the foremost is that your case will be underwritten as a substandard one. There are a few stages on which the cover depends:

Stage I:This cancer as detected early and is still confined to the testes.
Stage II:The cancer has metastasizedto the lymph nodes, typically those found in the abdomen.
Stage III:The cancer has spread to the abdominal lymph nodes and into other parts of the body, typically the lungs and liver.
Stage IV:This stage refers to cancer that has spread beyond the lymphatic system.

Each of the different stages will put you in a different starting point for determining a life insurance rate. Possibilities are there that you might be given special rates depending upon superior health and family history.

After the type is known, the next questions have to do with the diagnosis itself:

When was the cancer diagnosed?
Age diagnosed?
What was the type of cancer? (Seminoma vs. Non-seminoma)
Treatment procedures
How long did you undergo the treatment?
What stage is your cancer?
Any Recurrence?

This is where the case starts to take shape for the underwriters. Being as detailed and honest as possible will fetch you better rates. The best way to do so is to provide your insurance agent with the latest pathology report. The more information you have, the better and more favorable decision will be given.

Underwriters will leave no stone unturned, be it your doctor, oncologist, urologist or any other specialties that you have visited.

Even if you are able to get past the guidelines for life insurance with testicular cancer, you still have to qualify medically based on the rest of your health. Life insurance payout for testicular cancer is hard to get, but if you deal with other issues as simple as blood pressure or cholesterol, you could see additional increases.

One of the best options to save money on your life insurance plan is to compare. Every Insurance company deals differently. It is essential to find a company who offers an applicant testicular cancer coverage. Finding the perfect company will help you in saving hundreds or even thousands of dollars a year. One most important decisions before you purchase is to calculate how much insurance your family will need. Not having enough insurance cover will leave your family in outstanding debts and expenses.

Bottom Line

If you’re not yet insured can you get life insurance with testicular cancer? In many cases, the answer is yes. If you didn’t have life insurance before the diagnosis, you may still be eligible for traditional life insurance, which requires a thorough medical exam. If a person is diagnosed with stage I testicular cancer and he receives prompt treatment, he can easily qualify for a mild substandard rating cover. This is applied to persons who are otherwise healthy.

You can Still be Covered!

The process of claim in testicular cancer insurance is quite easy and hassle-free nowadays. It is simple to get a detailed report based on the circumstantial evidence you provide. Free quotes are now readily available for testicular cancer coverage in as little as 60 seconds. With seamless term life insurance quotes, testicular cancer patients can breathe easy knowing peace of mind is only a click away. Contact your insurance agent today for more information.