| Insurance companies classify people by risk factors. | | | | standard + 25% may be available. At ages 45 to 65 |
| Most insurance companies have several rate tables | | | | standard + 50% with no waiting period may be |
| so that they can place a customer in a class that | | | | available. Age 65 and up standard + 100% with no |
| charges a fair rate for their risk of dying. A person | | | | waiting period may be available. |
| with an average health history is classified standard. | | | | Stage 0 breast cancer in a person over 40 may |
| There are tables with a lower rate than standard for | | | | qualify for standard while a person under 40 may pay |
| people in exceptional health and tables with higher | | | | standard +100%. |
| rates for people with higher mortality risks. Below | | | | A good underwriter will look at all the factors |
| looks at how an insurance company may view a | | | | involved on each case. He or she will pay close |
| woman applying for Life Insurance soon after | | | | attention to the pathology report. They know that |
| discovery and treatment for breast cancer. A history | | | | non-invasive cancers have a better prognosis that |
| of advanced breast cancer stage III or IV will usually | | | | invasive tumors and the risk is less for ductal |
| disqualify a person from consideration for life | | | | non-invasive than for lobular non invasive breast |
| insurance immediately after diagnosis and treatment. | | | | cancer. Other things that effect risk are the amount |
| Stage II breast cancer, size greater than 2cm, will be | | | | of time passed without reoccurrence, adequate |
| considered if there is no lymph node involvement and | | | | regular follow up care and testing and menopausal |
| no metastasis. If the size was under 2cm and only 1 | | | | status. |
| or 2 lymph nodes were involved coverage may be | | | | A person with medical history needs an agent who is |
| considered. | | | | willing to spend the time looking for the company and |
| Stage I breast cancer with no lymph node | | | | underwriter who will give you a fair price. They know |
| involvement and no metastasis for a person under 45 | | | | you need the insurance as much or more than |
| will probably be postponed for 5 years. After 5 years | | | | anyone else. |