Being diagnosed with testicular cancer is likely to set a range of emotions and these can change very frequently from one day to the next. You might alter between feeling sad, frightened and confused. Similarly, you might feel positive and able to cope one day but this could be a different story the next.
What is Testicular Cancer?
Testicular cancer often affects young to middle-aged men and is usually linked to a genetic susceptibility to the condition or as a complication of undescended testes. Testicular cancer is generally diagnosed following the existence of a lump in the scrotum that is confirmed by professionals to be germ cell cancer (seminoma or nonseminoma cancer); alternatively, other more scarce forms of cancer may be found. It is advised that males check their testicles for any changes at least once per month.
Testicular Cancer Life Insurance:
Having a diagnosis and treatment for testicular cancer can be devastating and unsettling, one thing for sure is that protecting yourself and your family will be a priority, even though you may be worried that life insurance is not available to you because you’ve had testicular cancer in the past. There are certain specific details your insurer would be keen about and you may come across questions like:
- When were you diagnosed with testicular cancer?
- The stage of your testicular cancer
- The treatment is undertaken by you (such as chemotherapy)
- The last time you received the treatment
- The length of time since you were given the all-clear report from doctors
There is a common concept that you cannot secure life insurance once you’ve had testicular cancer, but this isn’t true. Testicular cancer is one of the treatable forms of cancer, and the majority of men survive more than five years after initial diagnosis. Whilst it is true that premiums can be increased if you’ve had testicular cancer in the past, this is not always the case. E.g., if it has been a long time since you have recovered and been given all-clear reports by a doctor, your premiums could be the same as someone who has not experienced cancer. This is because premiums are likely to be increased if you’ve recovered more recently or if the stage of the cancer was more advanced. But do not worry– in such cases insurers may be willing to give you what they call “non-standard” cover which simply means a higher premium.
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