Life Insurance with Testicular Cancer

You might not think life insurance with testicular cancer is possible, but it is.

Several top-rated carriers offer life insurance for testicular cancer patients. And our independent agency is here to help you shop your best price.

As long as you’re between age 50 and 85, your acceptance is guaranteed. 

Testicular Cancer and The Need For Life Insurance

The effects of cancer affect not only your health but also your bank account. 

What’s particularly terrifying about a cancer diagnosis is facing the financial challenges it presents. Office visits, lab work, treatment plans, prescriptions, and surgeries have now become necessary for your survival, yet they come with a steep price tag. The high out-of-pocket cost for cancer care forces individuals to decide between debt or death.

A recent study published in the American Journal of Medicine found that more than 42 percent of people diagnosed with cancer from 2000 to 2012 drained their life’s assets within two years. 

If this were to happen to you, your surviving family would face further financial challenges after you’re gone. Funeral costs, unpaid medical bills, and personal debts will likely be left behind for your loved ones.

How Life Insurance Can Help

A life insurance policy provides guaranteed funds paid directly to your beneficiary upon notification of death. They can use the funds however they need during their time of grief.   

Life insurance provides a financial safety net so that after you die, no one suffers a financial burden due to end-of-life costs. No one can predict how the future will unfold; however, a life insurance policy will bring peace of mind knowing that the funds will be there when needed the most. 

Life Insurance Options After Testicular Cancer Diagnosis

All individuals seeking life insurance with pre-existing medical conditions are going to have fewer life insurance options than healthy individuals. However, you still have options.   

Guaranteed Acceptance Life Insurance is a unique type of life insurance that forgoes all medical underwriting. Which means there are no medical exams or any health questions whatsoever. Your cancer diagnosis does not disqualify you for coverage.  

These policies provide up to $30,000 in coverage. And your plan can go in-force the very next day after you enroll.  

Guaranteed acceptance is a type of senior life insurance. Therefore, these plans are only available to individuals ages 50 to 85. As long as you’re of qualifying age, your acceptance is guaranteed. 

Sadly, testicular cancer typically develops in younger men who fall outside of this age range. Only 8% of all testicular cancer patients are of the required age. The average diagnosis of testicular cancer is 33. Unfortunately, younger patients will have a much harder time finding coverage. 

Shopping Your Available Options 

As mentioned above, individuals seeking life insurance with testicular cancer only have one type of policy they qualify for. However, there are a handful of carriers who offer these policies.

Our independent agency helps you shop and compare life insurance companies nationwide all in one convenient location so you can find your best policy and lowest price.

While there’s no single best carrier to choose from, there are several that stand out above the rest. The following three carriers are consistently the most competitive on rates and hold the highest customer reviews. In our opinion, individuals seeking life insurance with testicular cancer will find their best option from these three carriers.

AIG Life Insurance – Gerber Life Insurance – Mutual of Omaha Life Insurance

Finding Your Best Price

Insurance rates for guaranteed acceptance policies are more expensive than other types of coverage. Because there are no health requirements to enroll, the insurance carrier charges higher rates.

Premium rates vary greatly among carriers. If you’re looking for your lowest price, working with an independent agent is the way to go. Individuals who go about the shopping process alone often overpay for their coverage. 

Our friendly agents help you shop all the top carriers operating in your state. We help you find your lowest rate because our agents work for YOU, not the insurance companies. We provide unbiased advice and support regardless of which carrier you purchase from. 

How to Enroll Today 

Enrolling in life insurance with testicular cancer is easier than you think.

Because there are no medical exams or health questions, the application process is super simple.

Begin by filling out the quote form on your screen. You’ll instantly see personalized quotes from providers in your state offering policies that you qualify for.

One of our friendly agents will reach out to answer your questions and help you compare policy details.

Once you’ve identified your best option, we’ll help you enroll over the phone in less than 15 minutes. After enrollment, we ship your policy directly to you for review. Most states allow up to 30 days as a free look period to make sure your investment fits your needs and your budget. 

We’ve helped thousands of people with poor health secure the funds they need to protect their loved ones. We’d love to help you too!

Get started today with your free quote.