Cancer: Thyroid

The most common malignancy of the endocrine system, generally more common in women.

Likely Underwriting Decision

Best Case: Standard can be considered after the first post operative checkup or completion of other therapies for papillary and follicular type thyroid cancers for applicants age 45 and older with Stage I and Stage II localized, low grade disease. In some cases after 5 years of qualifying for Standard rates, Preferred may be available

Typical Case: Moderate grade papillary tumor, can consider Standard 7-8 years following treatment

Worst Case: Decline if anaplastic tumor
Reconsideration may be possible for cases initially postponed for uninvestigated thyroid nodule that has subsequently been investigated and proven benign

Factors Affecting the Decision

  • Type of thyroid cancer (papillary, follicular, anaplastic, etc.
  • Pathology
  • Age of applicant
  • Type of treatment and date(s) performed
  • Any remission and for how long
  • Any recurrence
  • Any complications from treatment

Fast Track the App


Fast Track:

  • Pathology reports
  • Treatment and hospital report
  • Evidence of regular follow-up