About Testicular Cancer
Testicular cancer is the most common form of cancer in young men ages 15-35, and the incidence of occurrence has been increasing. The good news, though, is that mortality rates are improving, due to dramatic improvements in treatment.
Underwriting Life Insurance for Testicular Cancer
Underwriting this form of cancer is a bit more aggressive than a lot of the other types of cancer, and is largely dependent on the Staging of the cancer from the post-operative pathology report. Stage I, is typically when the cancer is confined to the testes; Stage II indicates metastasis to local lymph nodes; and Stage III occurs with metastasis to remote lymph nodes or other organs.
The primary questions to be asked of a proposed insured that presents with this history are:
- Age at diagnosis and date treatment ended?
- What was the specific type of testicular cancer?
- Stage of the cancer and whether it was a seminoma or non-seminoma
- How was it treated? (Typically, it’s with removal of the testes — an orchiectomy.)
- Any metastasis or lymph node involvement?
- Frequency of follow up with Dr and any tumor marker testing results?
The good news is that with an In-Situ or Stage I cancer, we can typically get an offer shortly after treatment is completed with a low table rating and/or short term flat extra. Most often, we’ll be looking at Standard rates, once they reach 5 to 7 years with no reoccurrence. Our free questionnaire will help you gather the information needed.Download the Questionnaire