Affordable Life Insurance with Testicular Cancer

Getting life insurance with testicular cancer is very doable and at very affordable rates under the certain conditions.  This article will hopefully give you some guidance on the application, and underwriting process of buying a policy with testicular cancer.

Testicular cancer is one of the most common types of cancer in young men aged 15 to 35. With that said, many testicular cancer survivors unfortunately believe that they are uninsurable, but that is simply not true.

Fortunately, mortality rates are improving due to huge advancements in treatment and some life insurance companies are giving fantastic approvals – you just need to use the right company.

We’ve helped dozens of our clients secure life insurance with testicular cancer at very affordable rates.

We have many reviews available such as our AARP Life Insurance Review or our State Farm Life Insurance Review to help you in making the best decision for you and your family. Whether you are looking for a $100,000 insurance policy or a million dollar life insurance policy, let us answer your questions and help you to obtain the coverage you deserve.

Important information we’ve uncovered:

Germ cell cancers account for 95% of testicular cancer and can be subdivided into seminoma and nonseminoma. Non-germ cell cancers, such as lymphoma, account for the other 5% and can be from several different cell types.  Germ cell cancers are more favorable to life insurance insurers.

Tumor markers for testicular cancer are AFP (alpha fetoprotein) and hCG (human chorionicgonadotropin). The best use of these tumor markers is for the early detection of cancer relapse.  Life insurance underwriters will be looking at these closely.

Removal of the testicle (orchiectomy) is the initial treatment for testicular cancer. Those with early seminomas are treated with radiation. Advanced seminomas and nonseminomas are treated with chemotherapy.  Again, life insurance underwriters will factor this into their rates.

If you’re looking to secure life insurance with testicular cancer, you’ll need to provide your agent with the following information:

  • When were you first diagnosed?
  • How was the cancer treated?
  • When was the treatment completed?
  • Are you on any medications?
  • What stage was the cancer?
  • Has there been any evidence of a recurrence?
  • When was the most recent AFP or hCG test and what was the result?
  • Any other health issues? (needing life insurance for diabetics?)

Being as detailed and honest as possible will result in better rates for you. If you can provide us a copy of your pathology report, that would be best (although not required). As your “independent” life insurance agent – our loyalty is to you, the client, not the carrier we apply with. The more information we have going into underwriting, the more effective we can be in our presentation of your risk in the most favorable light possible.

Underwriters will uncover all information in your medical exam and medical records from your doctor, oncologist, urologist or any other specialist you’ve seen. So please be as open with us as possible.

Life insurance with testicular cancer: What To Expect

You will be considered a substandard risk even immediately following successful treatment.

Stage I cancer applicants in remission can be considered for life insurance as soon as treatment has been completed and Standard rates are available in some situations.

Stage II testicular cancers will need to be postponed for up to two years following treatments. Then a temporary flat extra for 3 years.

Stage III will be postponed 4 years, with a temporary flat extra for up to 5 years.

There are no medical exam “graded” life insurance policies available that have a 2 year waiting period for those looking for less than $50,000 of life insurance coverage.

If you’re within the first few years of being cancer-free, look into the life insurance offerings of your employer or even the benefits of your spouse’s company. Most people can’t afford the life insurance when a flat extra is involved so these options are worth looking into.

If you have a current policy that’s expiring, renew it until this time period passes (if it makes sense financially of course).

Bottom Line

If you have had testicular cancer and are looking to obtain the lowest life insurance premiums, then you need to be working with an agency experienced in underwriting your risk. Our experience after the diagnosis of testicular cancer has to be among the top our industry. We know which life insurers are the most aggressive and providing the best rates.

Trying to figure out which companies those are on your own can be difficult and time consuming – but that’s where we can help.

Reach out to us via phone call or the contact form if you have any concerns of getting coverage with your testicular cancer. As long as the prognosis is good and you’ve had regular follow-up appointments, we’ll be able to insure you with some excellent rates especially if it’s been over 5 years since you received the “allclear” from your doctors.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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