A. The answer is No.
One of the most common impairments in life insurance underwriting is a history of Breast Cancer. With the advances in medical care, abilities for treatment, and increasing awareness and self exams, more and more cases of women that are survivors of cancer and create a unique underwriting challenge. The good news is that we typically can help secure a decent offer for coverage if it is detected early and treated properly.
A few key bits of information will allow us to give you a realistic expectation of an eventual underwriting decision:
- What was the age at diagnosis and date the treatment ended?
- What was the specific type of Breast Cancer?
- What was the stage and grade of the cancer? — most important, and comes from the post-pathology report
- How was it treated?...lumpectomy or mastectomy?...any chemo or radiation?
- Any metastasis or lymph node involvement?
- If known, are there any positive receptors and what is the size of the tumor?