Testicular cancer is a rare type of cancer and accounts for about 1% of all cancer cases that occurs in males.
In the UK alone about 2300 men are diagnosed with testicular cancer every year making it fairly uncommon but usually affects younger men contrary to other forms of cancer.
Testicular cancer is the most common type of cancer that affects men after 15 and before 50 and is also observed to affect white men more often than men belonging to other ethnic groups.
Testicular Cancer and Life Insurance
As common to almost all medical conditions the insurance company will observe a lot of factors closely before they can provide you with a life insurance quote.
The factors that they consider carefully while underwriting is as follows:
- The type of cancer you have
- The details of your diagnosis, specifically your year of diagnosis
- The amount of time passed since your diagnosis
- The state and grade of cancer you suffer from.
- The form of treatment you practice
The insurance companies divide the availability and cost of life insurance on staging and grading method, this allows the life insurers to avail life insurance on a case to case basis and not stake a particular value of premium rate just based on the medical complication.
For eg: if a man has been diagnosed with testicular cancer and his reports indicate 1st stage low-grade cancer he will have to pay a relatively low price for his life insurance as compared to any other individual with 3rd stage high-grade cancer for the same coverage amount. This means that the cost of life insurance will vary for two different clients even if they both have been diagnosed with testicular cancer.
Most underwriters will also contact your doctor to get a detailed medical outlook on your condition and calculate the considerable risks involved in providing you with life insurance.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00