If you were like me and played sports a lot as a kid, you have unfond memories of going to the doctor to get your annual physical as required to engage in school athletics. As part of the annual physical, my doctor would tell me to “drop trow”, and then he would touch my private area to see if my testes were normal. He had huge bug eyes which added to the extreme uncomfortableness of what could only have been 120 seconds of time. I remember my eyes darting all over the room, trying to avert my attention to the lollipops in the glass jar, the ticking clock on the wall, to…..anything else other than the examination being performed by my doctor. This was my first foray into testicular cancer, and how doctors diagnose it—it certainly was not my last. Fun times.
Life insurance is the most common type of cancer for men between the ages of 15 to 35. For my purposes in this article, it is a common type of cancer for the youngest bracket of Gen X men—those in their mid 30’s—but testicular cancer effects Gen X men of all ages.
Getting Life Insurance for Gen X men is doable after testicular cancer—however, because of the testicular cancer, you are going to get a substandard health classification for life insurance which will mean higher life insurance rates. A substandard health class basically means that you are high risk or an impaired risk which translates into elevated life insurance rates. Sorry, Gen X men, this is the reality of getting life insurance after testicular cancer.
(To skip reading the rest of this article on life insurance after testicular cancer for Gen X men, proceed to generating your own term life insurance quotes from around 20 A-rated life insurance companies, here. It should take you less than five minutes to generate your own life insurance quotes).
What is testicular cancer, and how is testicular cancer treated?
According to the Mayo Clinic, “testicular cancer occurs in the testicles (testes), which are located inside the scrotum, a loose bag of skin underneath the penis.”
Here are the symptoms of testicular cancer according to the Mayo Clinic:
- “A lump or enlargement in either testicle,
- A feeling of heaviness in the scrotum,
- A dull ache in the abdomen or groin,
- A sudden collection of fluid in the scrotum,
- Pain or discomfort in a testicle or the scrotum,
- Enlargement or tenderness of the breasts,
- Back pain.
Testicular Cancer usually affects only one testicle.” (credits here)
Testicular Cancer is treated in the following ways:
- Surgery to remove the cancerous testicle (again, testicular cancer usually only effects one testicle, not both),
- Radiation, and
Doctors may use a combination of treatments depending on the type and stage of testicular cancer.
The Good News—the survival rate is very high for testicular cancer. It’s over a 90% survival rate.
So, what do life Insurance Companies look at when getting a Gen X applicant who has had testicular cancer?
- WHEN WERE YOU DIAGNOSED—how long ago has it been since you were first diagnosed with testicular cancer. At what age were you first diagnosed with testicular cancer.
- WHEN WERE YOU LAST TREATED—when were you last treated for the testicular cancer, and when did you subsequently get a clean bill of health for testicular cancer from your doctor.
- METHOD OF TREATMENT—Whether the cancer was treated by surgery, radiation, chemo, or a combination of all three, is a consideration of life insurance underwriters reviewing your application.
- WHAT TYPE AND STAGE OF TESTICULAR CANCER DID YOU HAVE—There are two types of testicular cancer a) seminomas, and b) non-seminomas. Here are the stages of testicular cancer in layman’s terms (I’m not a doctor): “Stage I—the cancer is only in the testicles, and has not spread; Stage II—the testicular cancer has reached the lymph nodes in the abdomen; and Stage III—The cancer has spread further, to other parts of the body. This could include the lungs, liver, brain, and bones.” (credits here). For more information on the stages of testicular cancer, Read this Article.
- HOW HAS YOUR HEALTH BEEN SINCE TREATMENT FOR TESTICULAR CANCER—this is especially important to Life Insurance companies as it shows improved health or, unfortunately, worse health.
- MEDICINE—The kind of medications you took during your treatment for testicular cancer, and the medications you currently take is a consideration for life insurance companies.
- LIFE INSURANCE MEDICAL EXAM—As always, your treatment for testicular cancer is not analyzed by life insurance companies in a vacuum—life insurance companies want to know the big picture of your health. Life insurance companies will obtain your medical records and order you to take a life insurance medical exam which will test your blood, urine, etc. in order for them to get an overall picture of your health.
I hope this has been a helpful article on life insurance for Gen Xers after testicular cancer. The article is specifically geared toward Gen X men but is applicable to any man who has beaten testicular cancer.
All in all, getting life insurance after testicular cancer is doable—you just have to be aware that your life insurance rate is going to be higher. Prepare yourself for a higher rate at the onset so you won’t be shocked by the sticker price once you get the life insurance quotes.
If you are a Gen Xer interested in getting quotes for term life insurance from many A-rated life insurance companies like Prudential, Mutual of Omaha, and SBLI just to name a few, generate your own life insurance quotes here. Just enter in your height, weight, how much life insurance you want, etc. on the life insurance quoter, and you’ll get your life insurance quotes within a few minutes.
If you prefer to discuss your life insurance needs with me directly, call me at (615) 525-6165, email me at Robert@weigelinsurance.com, contact me here, or message me through linkedin.com
Until next time and until next life insurance article,
Term Life Insurance Agent for Generation X