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Qualifying for Life Insurance after a Hysterectomy.

Getting life insurance after a hysterectomy can be a bit confusing. Well, seeing as you found your way to this article, you’re off to a great start! We’ll give you the valuable info you need about applying for life insurance after a hysterectomy.

What is a Hysterectomy?

Sometimes a woman’s uterus can cause health problems. In these instances, a doctor may recommend that a woman’s uterus be removed. This is a hysterectomy.

Different “types” of Hysterectomies.

There is more than one type of hysterectomy. The types are:

  • Partial Hysterectomy (removing a part of the uterus)
  • Total Hysterectomy (removing the whole thing plus the cervix)
  • Hysterectomy & Salpingo-Oophorectomy (removal of the uterus, ovaries, and fallopian tubes)

There are a number of reasons for a hysterectomy…

A hysterectomy is a procedure, not an illness. And that procedure can be used to help many different medical issues. The most common reasons a woman might get a hysterectomy include:

  • To alleviate pain in the uterus (the cause of this pain can vary)
  • Uterine Cancer
  • Infection in the uterus
  • Vaginal bleeding
  • Fibroids
  • Endometriosis (often causes pain)

These are some of the reasons why women opt for a hysterectomy as advised by a doctor.


We are not medical experts. If you have come to this article for medical advice, you’re in the wrong place! We’re just a bunch of life insurance agents who love help people get qualify for great life insurance policies particularly if they’ve been diagnosed with a pre-existing medical condition like a hysterectomy in the past!

So… if you need medical advice, please see a doctor!

Now, if you’ve had a hysterectomy…

Then there are two things a life insurance company will want to know:

  • Have you healed/the amount of time that’s gone by since the surgery?
  • Why did you need to get a hysterectomy in the first place?

These two things will really determine your eligibility for life insurance.

If you had a hysterectomy…

To alleviate pain (whether caused by endometriosis, cysts, or anything else not life-threatening), then you really won’t have to worry about it while applying for a life insurance policy.

You can get a preferred rate…

If your hysterectomy was not due to anything “serious”. We put serious in quotation marks because we do realize that removing your uterus is in fact a serious procedure for any woman to go through. However, what we mean is that your reason for getting a hysterectomy is isolated to the uterus and cannot be associated with any other medical issues.

Getting life insurance may be tricky if…

Your hysterectomy was due to something that could potentially lead to other medical problems, then it may be more difficult to get life insurance.

If you had uterine cancer…

Then it’s going to be hard if not impossible to term or whole life insurance, even if you have totally recovered and you’ve been in remission for a significant period of time.

Bet let’s be clear: you may still have options even if…

You’re not “currently” eligible for term or whole life insurance.  For those that are not currently eligible for a traditional term or whole life insurance policy, it may be necessary to pursue an “alternative” life insurance policy.  A policy such as a guaranteed issue life insurance policy.

Guaranteed issue life insurance policies.

Now guaranteed issue life insurance policies may not offer as much coverage as term or whole life insurance, but if you find it hard to get insured, then this is still a great way to provide your loved ones with some solid life insurance.

But remember…

Life insurance companies want to look at “the whole package” and by whole package we mean you! Hysterectomies and the cause of hysterectomies is just the beginning…there is a lot more for life insurance companies to consider. Before you get underwritten for a whole or term life insurance policy, a life insurance company wants to know your risk level.

How do life insurance companies determine risk?

They assess things in your life that could lead to complications, and ultimately cut your life short. This means they look at your health and your lifestyle choices. To give you an example, they will consider things such as:

  • Heart problems
  • Diabetes
  • High Blood Pressure
  • Obesity
  • Hobbies & Careers (are they dangerous)
  • Travel to dangerous places (Iraq, Afghanistan, Yemen, and Syria)

This is a very short list of things that life insurance companies will consider before they underwrite your policy.

Risk isn’t all the same…

And each life insurance company will view each “risky situation” differently. While one life insurance company may not underwrite a policy for someone who has had a hysterectomy due to cancer, another may if you have totally recovered from cancer and the hysterectomy. Likewise, some life insurance companies are pretty harsh on obesity, but other life insurance companies like to assess your overall health rather than your weight.
So how do you figure it all out?

It’s pretty confusing for a normal person to know which life insurance is really great for them. Most people turn to friends or loved ones for advice. However, it’s often the case that what’s right for your neighbor or friend is not right for you. That’s why you need expert advice.

Trust the experts!

InsuranceBrokersUSA is here to help! We work with dozens of the top life insurance companies in the USA. We can help you to find the life insurance policy best suited to your life and needs.

So, what are you waiting for? Call InsuranceBrokersUSA today and get a free consultation.

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