Lymphoma and life insurance

What is Lymphoma?

Finding life insurance with lymphoma can be difficult. Lymphoma is a heterogeneous group of cancers of the immune/lymph system. They are usually divided into Hodgkin’s disease and Non-Hodgkin’s disease. They behave, spread, and respond to treatment differently, so it’s important for you to know which one you have.

The underwriting of life insurance for Lymphoma also depends greatly on which type of lymphoma is diagnosed. Let’s take a look at each type:

Hodgkin’s Lymphoma-

Although Hodgkin’s lymphoma can start almost anywhere, most often it starts in lymph nodes in the upper part of the body. The most common sites are in the chest, neck, or under the arms. Hodgkin’s most often spreads through the lymph vessels from lymph node to lymph node. Rarely, late in the disease can it invade the bloodstream and spread to other parts of the body, such as the liver, lungs or bone marrow.  Men are more likely than women to be diagnosed with Hodgkin’s.

Classic Hodgkin Lymphoma accounts for more than 9 in 10 cases of Hodgkin’s lymphoma. This classic type usually are identified by an abnormal type of B lymphocyte.

Once a diagnosis of Hodgkin’s has been made a pathology study will be made to determine what stage of cancer the Hodgkin’s is in. Here are the stages usually diagnosed.

  • Stage I- involvement of a single lymph node region or organ
  • Stage II- involvement of two or more regions on the same side of the diaphragm
  • Stage III- Disease on both sides of the diaphragm involving lymph nodes and localized involvement of other organs.
  • Stage IV- Diffuse o disseminated involvement of one or more extra-lymphatic organs such as bone marrow.

Each stage is further divided into two groups. Type A is asymptomatic and has a better prognosis. The presence of Type B symptoms (fever, weight loss, and or night sweats) in Hodgkin’s lymphoma is unfavorable.

Underwriting Hodgkin’s Lymphoma

It is important to remember that not all life insurance carriers underwriter medical conditions the same. In fact, finding the life insurance carrier that will underwrite (evaluate) your medical condition the best is the secret to finding the lowest rates.

Fortunately you have landed on this page. We are experts at which companies offer the lowest rates for certain medical conditions like lymphoma, diabetes, heart disease, etc.

In regards to underwriting Hodgkin’s disease through standard underwriting procedures the disease must be in remission and all therapy for the condition must have been completed.

The Stage of the disease and the time frame since the cessation of treatment will typically determine what if any offer can be made for this condition.

If their have been any recurrences in the disease during the last 10 year time frame this will usually result in a declination of an offer. After 10 years may be considered.

As mentioned above the time frame since the end of treatment will go a long way in finding an offer for coverage. In my any diagnosis of Stage I, Stage II or Stage III must have at least 12 months passed since the date of last treatment before any consideration for coverage will be made. Stage 4 is typically a 3 year time-frame since last treatment before an offer can be considered.

If there has been a bone marrow transplant or stem cell transplant then the companies would want to typically wait 5 years before reviewing an application.

Once this time-frame for each stage has passed this is when the real underwriting begins. Life insurance carriers that do not specialize in underwriting lymphoma would probably offer very high rates or perhaps even decline to offer no matter how much time has passed. But, for the companies that specialize in underwriting this particular type of risk their could be multiple offers available.

Again, this is where an experienced agent can help find you the best offer. They can negotiate between the carriers that specialize in this condition.

Non-Hodgkin’s Lymphoma-  
lymphoma and life insuranceIs much less predictable than Hodgkin’s disease and has a far greater likelihood of spreading to extranodal sites. Staging is similar to that of Hodgkin’s disease, but most times the patient is already in a more advanced stage when diagnosed. There are several grades of this disease;

Low Grade, Intermediate Grade or High Grade – Low grade progresses slowly, but often is in an advanced stage when diagnosed and many individuals relapse after treatment. Intermediate and high grades of Non- Hodgkin’s have more rapid growth but are more likely to respond to chemotherapy.

Low grade non-Hodgkin’s lymphoma is typically underwritten on an individual consideration basis. This means each applicant is looked at independently instead of by the book.

Intermediate or High Grade must be in complete remission following the cessation of therapy. Below is the typical waiting period and possible outcomes of these stages:

  • Stage I- 3 year wait from end of therapy. After could be extra surcharge included on top of the standard rate.
  • Stage II- 3 year wait from end of therapy. After could be extra surcharge included on top of the standard rate. Would be higher than Stage I
  • Stage III, IV- 3 year wait from end of therapy. After could be extra surcharge included on top of the standard rate. Would be higher than Stage II.
  • Guaranteed Issue Life Insurance 

Questions for underwriting

In order to properly evaluate whether an individual may have an opportunity to receive an offer for life insurance coverage, the questions below will help answer:

  1. Date of first diagnosis?
  2. Type of Lymphoma? I.E. Hodgkin’s, non-Hodgkin’s low grade, intermediate or high grade?
  3. Stage at first diagnosis?
  4. Any of the following present at initial diagnoses- Type B symptoms (sweating, fever, weight loss), any large chest tumors, elevated LDH blood test, more than one extranodal site involved?
  5. What type of treatment? Chemotherapy, Radiation, Surgery
  6. Date of last treatment?
  7. Taking any prescription medications?
  8. Used tobacco in last 5 years?
  9. Any other major health conditions such as diabetes, heart disease, etc.

In addition to the questions above, it is important to know the amount of coverage desired and the type of coverage (term or whole life).

Conclusion-

Finding affordable life insurance protection for those with lymphoma can be difficult. But, if you have an expert agent or specializes in companies that underwrite this condition the best your search can be much easier. Thanks for reading this blog. Please feel free to contact us for a free evaluation of your coverage needs. We can be reached by phone at 1-888-393-9003 or mike@specialriskterm.com

 

 

 

 

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Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

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Email: mike@specialriskterm.com

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Testimonials

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.
About SpecialRiskTerm.com
About SpecialRiskTerm.com

We work with individuals across the nation to secure the best life insurance rates.

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