Life Insurance after a Hysterectomy.
In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks applying for life insurance after having a Hysterectomy.
Questions that will be addressed will include:
- Can I qualify for life insurance if I have had a Hysterectomy?
- Why do life insurance companies care if I have had a Hysterectomy?
- What kind of information will the insurance companies ask me or be interested in?
- What rate (or price) can I qualify for?
- What can I do to help ensure that I get the “best life insurance” for me?
So, without further ado, let’s dive right in!
Can I qualify for life insurance if I have had a Hysterectomy?
Yes, individuals who have had a Hysterectomy can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, they may even be able to qualify for a no exam term insurance policy at Preferred plus rate!
The problem is…
That there are a variety of reasons “why” a woman might need to undergo having a Hysterectomy, some of which can definitely affect one’s chances at being able to qualify for a traditional life insurance policy.
This is why…
Prior to being approved for a traditional life insurance policy, most (if not all) of the best term life insurance companies will want to learn more about “why” you needed to receive a Hysterectomy and just make sure that you’re Hysterectomy corrected or “cured” this previous pre-existing medical issue.
Why do life insurance companies care if I have had a Hysterectomy?
For the most part, life insurance companies aren’t really going to “care” all that much if you have had a Hysterectomy (provided you’ve had time to make a fully recovery), what’s going to interest them more is “why” you needed to have one in the first place.
The good news is…
That while there are a variety of different pre-existing medical conditions which might affect the outcome of your life insurance application and also warrant the need to have a Hysterectomy performed, once an individual does undergo a Hysterectomy, in most cases one will be considered “cured”, therefore no longer considered a “risk” by the life insurance industry.
For this reason…
We wanted to just take a brief moment and discuss exactly what a Hysterectomy is as well as highlight some of the most common reasons why a woman might undergo this surgical procedure so that we can get a better idea about what a life insurance underwriter will be looking at when making his or her decision about your life insurance application.
A Hysterectomy is an operation whereby a woman’s uterus is completely removed. Common reasons why this a woman may need to have a Hysterectomy may include:
- Presence of Uterine Fibroids which may be causing pain, excessive bleeding and/or other issues,
- Uterine prolapse,
- Pelvic inflammatory disease (PID),
With many of these conditions, having a Hysterectomy performed will provide a “cure” to their previous condition in which case, the underlying pre-existing medical condition which caused them to need to have a Hysterectomy preformed will no longer be used as a “factor” in determining what kind of “rate” that they will be able to qualify for.
Now at this point…
We usually like to take a moment and remind folks that nobody here at IBUSA has any kind of “official” medical training and we’re certainly not doctors. All we are is a bunch of life insurance agents who just happen to be really good at helping folks with pre-existing medical conditions like this one, find and qualify for the life insurance coverage that they are looking for.
Not so great if you’re looking for answers to any specific medical questions. In cases like these, we would recommend that you contact a true medical professional who has the training to help. For everyone else, you’re in luck because now we’re going to get into some of the “nitty gritty” about what you may or may not be able to qualify for.
What kind of information will the insurance companies ask me or be interested in?
Common questions you likely be asked may include:
- When did you receive your Hysterectomy?
- Why did you need to receive your Hysterectomy?
- Uterine Fibroids?
- Uterine prolap?
- Pelvic inflammatory disease (PID)?
- Why symptoms (if any) led to your diagnosis?
- Has your Hysterectomy “cured” you of the underlying pre-existing medical condition that was causing your problems?
- Are you still suffering from any of symptoms you suffered from prior to your Hysterectomy?
- In the past 2 years, have you been admitted into a hospital for any reason?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
What rate (or price) can I qualify for?
Generally, what you’re going to find is that most insurance companies are going to consider any applicant who has had a previous Hysterectomy performed in one of two ways. Either the individual had their hysterectomy become of some medical condition other than cancer or they had it preformed because of cancer.
Now in the cases…
Were an individual had their Hysterectomy to help treat some “condition” other than cancer, what you’re typically going to find is that once you have made a full recovery and your condition is now considered “cured” most life insurance companies aren’t going to use your previous Hysterectomy or the condition that warranted your need for one as a factor in the decision making process.
Or in other words…
Whatever “rate” you would have been able to qualify for PRIOR to your need for a Hysterectomy should be the same “rate” that you will be able to qualify for AFTER having had a Hysterectomy preformed!
On the other hand, typically won’t be treated the same. In cancer cases what you’re usually going to find is that your “cancer” diagnosis will be what ultimately determines what kind of “rate” you will be able to qualify for and typically the fact that you have had a Hysterectomy performed usually won’t be considered all that much. For more information about how your previous cancer diagnosis might affect the outcome of your life insurance application, we would advise you to check out our Pre-Existing Medical Conditions page to see if we might have an article dedicated to the “type” of cancer you were diagnosed with or just give us a call!
The good news is…
That regardless of your situation, we here at IBUSA can help because we have tons of experience helping folks with all sorts of pre-existing medical conditions like yours and are committed to helping all of our clients find the “best” life insurance policy that they can qualify for. Which brings us to the last topic that we wanted to take a moment and discuss which is…
What can I do to help ensure that I get the “best life insurance” for me?
In our experience here at IBUSA, what we have found that usually the folks who seem to find the “best” life insurance policy for them are those that:
- Take their time reviewing their options.
- Ask a lot of questions.
And seek out those life insurance agents who not only have experience working with individuals who have been diagnosed with a wide variety of pre-existing medical conditions, but also have access to dozens of different life insurance companies so that when it comes time to helping a more “challenging” case, they don’t have to rely on a…
“One size fits all approach!”
The good news is that this is exactly what you’re going to find here at IBUSA!
Now will we be able to help out everyone who has been previously had a Hysterectomy?
No, probably not. But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many of the Best Final Expense Insurance Companies as well so that in the event that someone isn’t able to qualify for a traditional life insurance policy, chances are there may be some other “type” of product that you CAN qualify for.