Cancer is a general term used to describe any of the multiple types of malignant tumors (neoplasms). Cancer can affect any organ or tissue in the body and is characterized by inappropriate cell growth. One third of all people in the U.S. will develop cancer in their lifetime and it is second only to cardiovascular disease as a cause of death.
The aggressiveness" of a cancer is referred to as Grade. The higher the grade, the more rapid the growth of the cancer and the more likely there will be distant spread. Most cancers are graded on a scale of Ito IV with Grade I or well differentiated being the most favorable and Grade II -IV or poorly differentiated having the worst prognosis.
Staging of a cancer refers to the extent of the tumor mass (size and/or spread). The most commonly used staging system is called TNM (T - for tumor size, N - regional lymph node spread, and M - any distant metastasis or spread). A large tumor mass and any spread beyond the original tissue are poor prognostic factors.
Depending on the type of cancer and stage, treatment can include: surgery, radiation or implantation of radioactive substances, chemotherapy, immuno-therapy, and hormonal therapy.
In summary Life Insurance Solutions, when underwriting a cancer history, the following factors are important in assessing the risk:
- tissue of origin (ie. colon, prostate, breast, etc.)
- grade
- stage
- time since diagnosis
- type of treatment
- time since treatment has ended
- any recurrences or relapses
LIFE INSURANCE SOLUTIONS has helped many clients to obtain life insurance with cancer.
Other cancer related issues that we review on a daily basis may include:
- Colon Cancer
- Leukemia Cancer
- Melanoma Cancer
- Prostate Cancer
- Skin Cancer
- Testicular Cancer
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