There's More to the Story than a Diagnosis

October is Breast Cancer
Awareness Month

Now more than ever before, your clients who have a history of breast cancer are eligible to qualify for favorable life insurance rates because more carriers consider an applicant's full medical history for the best possible rating.

According to the American Cancer Society Breast Cancer Facts & Figures 2013-2014, breast cancer is the most common cancer among women in the United States and second only to lung cancer as a cause of cancer deaths. Men are generally at low risk for developing breast cancer; however 2,240 men were diagnosed with breast cancer last year, and more than 400 died from the disease.

For breast cancer, underwriting the mortality risk varies with the stage of the cancer. Non-invasive cancer has a better diagnosis than invasive tumors. Tumor size is an independent foretelling factor and each involved lymph node worsens the prognosis. Lifelong follow-up is required by the patient to detect relapses, which can occur decades after the initial diagnosis. Good and consistent medical follow up by your client will provide the full picture and is extremely important to the underwriting process. 

To get started with the underwriting process, use a Breast Cancer Questionnaire from NAILBA for your clients that have been diagnosed with breast cancer.