In this article, we wanted to take a moment to answer some of the most common questions we get from folks applying for life insurance after 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?

In general, having a hysterectomy should not necessarily disqualify a person from obtaining life insurance. Life insurance companies may consider a person’s medical history, including any surgeries or medical procedures that they have had, when determining the terms of a policy.

However, other factors, such as age, gender, overall health, and lifestyle may also be taken into account.

It is important to disclose all relevant medical information to the insurance company when applying for life insurance. This includes any surgeries or medical procedures that you have had, such as a hysterectomy.

The insurance company may ask for additional information about your medical history, such as the reason for the surgery and any other medical conditions that you have.

Why do life insurance companies care if I have had a Hysterectomy?

Life insurance companies may consider a person’s medical history, including any surgeries or medical procedures that they have had, when determining the terms of a policy. This is because certain medical conditions or treatments may potentially increase the risk of mortality, which is one of the main factors that life insurance companies consider when underwriting a policy.

In the case of a hysterectomy, the insurance company may be interested in the reason for the surgery and any other medical conditions that may be related to it.

For example, if the hysterectomy was performed to treat a cancerous tumor, the insurance company may consider the person’s overall health and the likelihood of recurrence when determining the terms of the policy.

Again, It is important to note that having a hysterectomy is not necessarily a disqualifying factor for life insurance. Life insurance companies consider a variety of factors when determining the terms of a policy, and the impact of a hysterectomy on a person’s eligibility for coverage may vary depending on the specific circumstances.

Hysterectomy Defined:

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,
• Endometriosis,
• Pelvic inflammatory disease (PID),
• Adenomyosis,
• Endometrial cancer,

Fortunately…

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 performed 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.

But…

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?

When applying for life insurance, it is important to disclose all relevant medical information to the insurance company, including any surgeries or medical procedures that you have had. If you have had a hysterectomy, the insurance company may ask for additional information about the procedure, such as:

• The reason for the surgery: The insurance company may want to know the reason for the hysterectomy, such as to treat a medical condition like uterine fibroids or cancer.
• The type of hysterectomy: There are several different types of hysterectomies, including partial, total, and radical, and the insurance company may want to know which type you had.
• Other medical conditions: The insurance company may want to know if you have any other medical conditions that are related to your hysterectomy or that may have contributed to the need for the surgery.
• Follow-up care: The insurance company may want to know if you have received any follow-up care or treatment after your hysterectomy, such as hormone replacement therapy.

It is important to be honest and forthcoming when answering these questions, as the insurance company will use this information to assess your overall health and determine the terms of your policy

What rate class 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 performed because of cancer.

Now in the cases…

Where 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 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 performed!

Cancer cases…

On the other hand, they 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. This 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.