Qualifying for a traditional term or whole life insurance policy after having received a Hysterectomy in the past can sometimes be a rather challenging process for both the applicant applying for insurance and the agent working on the file as well.
This is because…
Unlike many other pre-existing medical conditions which can affect the outcome of one’s life insurance application, a Hysterectomy typically functions more like a “cure” to some type of condition a patient was suffering from and not like an actual medical condition.
This is why…
One of the first things any life insurance agent is going to need to determine prior to being able to make any kind of “assumptions” about your application is “why” did you ultimately decide or require a Hysterectomy in the first place! For this reason, we want to start off our discussion about how a previous Hysterectomy might affect the outcome of one’s life insurance application by first discussing what a Hysterectomy is and what are some of the most common reasons why a woman may need to receive one.
What is a Hysterectomy?
Simply put, a Hysterectomy is the term used to describe when a woman has her uterus surgically removed from her body because it is causing them to either suffer form or remain at risk of some type of serious health issue.
We should point out that a woman may undergo a variety of different “types” of Hysterectomies including a:
- Partial Hysterectomy (removing a part of the uterus),
- Total Hysterectomy (removing the whole thing plus the cervix,
- Or a Hysterectomy & Salpingo-Oophorectomy (removal of the uterus, ovaries, and fallopian tubes).
There is probably a very good reason for why someone might end up reason why someone might end up receiving one type of Hysterectomy vs another type of hysterectomy, from a life insurance perspective, it’s really not going to matter all that much because the “type” of Hysterectomy that you get really isn’t going to be as important as the reason “why” you required one in the first place!
Which brings us…
To the heart of the matter when it comes to determining what “kind” of life insurance policy you might be able to qualify for and what “price” you might have to pay after receiving a Hysterectomy which is…
“Why did your doctor determine that you needed a Hysterectomy in the first place?”
Common reasons may include:
- To alleviate pain in the uterus (the cause of this pain can vary),
- Uterine Cancer,
- Infection in the uterus,
- Vaginal bleeding,
- Endometriosis (often causes pain),
- Etc, etc…
And as you can see…
There are quite a few reasons why a woman may require a Hysterectomy. This is why, once a life insurance company learns that you have had a Hysterectomy you’re probably going to be asked a series of questions about it so that they can get a better idea about what kind of risk you may pose to them should they decide to approve your application.
Common questions you’ll like be asked may include:
- When did your receive you Hysterectomy?
- Why did your doctor recommend that you receive a Hysterectomy?
- Did your Hysterectomy “cure” the condition being treated?
- Have you been diagnosed with any other pre-existing medical conditions?
- In the past 2 years, have you been hospitalized for any reason?
- In the past 12 months, have you applied for or received any form of disability benefits?
Then with these answers in hand, most insurance underwriters will generally have a pretty good idea about whether or not you’ll be able to qualify for a traditional term or whole life insurance policy and what rate you will most likely be able to qualify for. We here at IBUSA will also have a pretty good idea as well.
This is why…
It’s pretty safe to assume that if you received your Hysterectomy to alleviate pain (whether caused by endometriosis, cysts, or anything else not life-threatening), it’s pretty safe to say that having had received a Hysterectomy probably isn’t going to play a huge role in determining the outcome of your life insurance application. In fact, you may even be able to qualify for a Preferred rate which is why you may also want to consider applying for a No Medical Exam Life Insurance Policy!
Your hysterectomy was preformed because you were diagnosed with some other more “serious” pre-existing medical condition such as uterine cancer what you’re going to find is that this “cancer diagnosis” is going to be what ultimately determines the outcome of your life insurance application and not the fact that you received a Hysterectomy as part of your treatment process.
In cases like these…
It may be impossible to qualify for a traditional life insurance policy until it has been determined that you are completely cancer free and even then it’s likely that you may need to wait up to 10 years depending on the “type” of cancer and the “severity” as well.
Bet let’s be clear…
Just because someone may not be able to qualify for a traditional life insurance policy today, doesn’t mean that they won’t one day in the future. Also, it’s quite possible (depending on the amount of insurance you are seeking) that there may be an “alternative” life insurance product such as a final expense life insurance policy that may just be what you’re looking for since many of these won’t require you to have to be able to “medically” qualify for coverage.
Which is why…
Regardless of your situation or what you may have already been told by another life insurance agent, you really ought to give us a call here at IBUSA because nothing makes us happier than to help someone who has been diagnosed with a pre-existing medical condition like your own find and qualify for the best life insurance policy for you and you’re family!