Cancer: Breast

Breast cancer is the most frequently diagnosed cancer in American women and the second most frequent cause of cancer death. The lifetime risk of developing breast cancer is 1 in 8 women (12.2%).

Likely Underwriting Decision

Underwriting can be done only once treatment has been completed and if the client is well followed. On higher stage/grade tumors, may only be able to consider >10 years after last treatment. Ratings often are a combination of both table and reducing flat extras

Preferred may be available on very remote histories (i.e., >25 years)

Best Case: For certain types of breast cancer, if the client is age 40 or older, with localized, low grade disease and depending on the pathology report, therapy and follow-up, Standard can be considered after the client's first post-operative checkup or completion of other therapies

Typical Case: Unable to consider until 2 years after completion of treatment (chemo or radiation), postpone x 2 years then $12/1000 x 4 years

Factors Affecting the Decision

  • Date of diagnosis
  • Type and stage of cancer
  • Size of tumor
  • Type of treatment
  • Date treatment completed
  • Any recurrence or spread
  • Reduced/eliminated risk factors (e.g., smoking)
  • Any serious complications from treatment

Fast Track the App


Fast Track:

  • Pathology report
  • Details and date(s) of treatment, including any adjunct therapy (e.g., Tamoxifen)
  • Hospital reports
  • Details of follow-up (mammograms, bone scan, etc.)