A Diagnosis of Breast Cancer Does Not Make Life Insurance an Impossibility

Breast cancer can affect both men and women, however it is far more common in women. It is the most common cancer affecting women in the United States and second only to lung cancer for cancer caused deaths overall. With today’s underwriting advances, life insurers have come a long way in their ability to insure breast cancer survivors, as well as those who may be an increased risk, due to family history.

Underwriting the mortality risk for breast cancer varies with the stage of the cancer. Non-invasive cancer has a better diagnosis than invasive tumors. Tumor size is an independent foretelling factor and each involved lymph node worsens the prognosis. Lifelong follow-up is required by the patient to detect relapses, which can occur decades after the initial diagnosis. Good and consistent medical follow up by your client will provide the full picture and is extremely important to the underwriting process.

To get started with the underwriting process, use this Breast Cancer Questionnaire from NAILBA for your clients that have been diagnosed with breast cancer and contact MVP Financial.