Last Updated on
If you had Bladder Cancer and need life insurance, we’ll help you find life insurance.
Bladder Cancer Life Insurance Underwriting
Bladder cancer is a type of cancer that forms in the tissues of the bladder. Most bladder cancers are transitional cell carcinomas that originate in the inner lining of your bladder. Other types of bladder cancers include adenocarcinoma and squamous cell carcinoma.
Life insurance after cancer is available for you if you had Stage A bladder cancer or Stage B bladder cancer. Also known as Ta bladder cancer, T1 bladder cancer or T2 bladder cancers.
Bladder cancer has a high rate of recurrence, and that is reflected in bladder cancer underwriting guides.
Like most cancers, life insurance underwriters will typically postpone offering coverage for a period of time after the completion of treatment.
After your postpone period has ended, life insurance underwriters will add a flat extra to the price of your life insurance. A flat extra is an additional cost that will last for a specified number of years.
When life insurance underwriters look at bladder cancer, they want to know the staging and grading of your bladder cancer. In addition, life insurance underwriters want to know how many times your bladder cancer has recurred, if at all.
What to Expect from Bladder Cancer Life Insurance Underwriting
There are a lot of variables when it comes to bladder cancer underwriting, and the best way to get an accurate life insurance quote is to submit your information or to speak with us about your cancer history.
Stage Ta bladder cancers – There is typically a postpone period until after you have completed at least one follow-up visit and tests after completion of bladder cancer treatment are favorable.
Once this time has passed, standard rates plus an additional charge called a flat extra may apply.
Flat extras typically last 3-4 years and then drop off. A flat extra for Stage Ta bladder cancers will cost you $500 – $750 per every $100,000 of life insurance in addition to the standard life rates.
After 3-4 years, the flat extra drops off and you would pay the standard life insurance rates for the duration of the policy.
Stage T1 bladder cancers – Postpone periods after treatment completion will be 1 year or greater for a Stage T1 bladder cancer.
After the postpone period, standard life insurance rates plus a flat extra of approximately $750 per every $100,000 of coverage will apply. The flat extra may last for 5 years or more.
Stage T2 bladder cancers – Postpone periods after treatment completion will be 3 years or greater.
A flat extra of approximately $1,000 for every $100,000 of death benefit would apply and may last for 8-10 years.
The best way to get life insurance after bladder cancer is to let us shop your information out to a number of life insurance companies on an informal basis.
Once we receive feedback from life insurance companies, we’ll give you a range of pricing and what to expect from life insurance underwriting.
In addition to bladder cancer, some of the other cancers that we specialize in include:
You find more information here on life insurance after cancer.