Testicular cancer is the most common form of cancer in young men ages 15-35, and the incidence of occurrence has been increasing. The good news, though, is that mortality rates are improving, due to dramatic improvements in treatment.
Underwriting this form of cancer is a bit more aggressive than a lot of the other types of cancer, and is largely dependent on the Staging of the cancer from the post-operative pathology report. Stage I, is typically when the cancer is confined to the testes; Stage II indicates metastasis to local lymph nodes; and Stage III occurs with metastasis to remote lymph nodes or other organs.
The primary questions to be asked of a proposed insured that presents with this history are:
- Age at diagnosis and date treatment ended?
- What was the specific type of testicular cancer?
- Stage of the cancer and whether it was a seminoma or non-seminoma
- How was it treated?...(typically it’s with removal of the testes — an orchiectomy)
- Any metastasis or lymph node involvement?
- Frequency of follow up with Dr and any tumor marker testing results?
The good news is that with an In-Situ or Stage I cancer, we can typically get an offer shortly after treatment is completed with a low table rating and/or short term flat extra. Most often, we’ll be looking at Standard rates, once they reach 5 to 7 years with no reoccurrence. Our free questionnaire will help you gather the information needed.Download the Questionnaire