Leukemia is a cancer characterized by an increase of white blood cells. There are different types of leukemia, depending on which type of white blood cell is affected.
Leukemia classified as acute progresses rapidly Chronic leukemia progresses more gradually, but may have an acute aspect.
Acute Lymphocytic Leukemia (ALL) and Acute Myelogenous Leukemia
(AML) may be considered five years after completion of successful treatment.
Possible Standard or Table B with a fiat extra/thousand ranging from $20 to
$7.50 for a period of years depending on time elapsed.
- Chronic Lymphocytic Leukemia (CLL) or Hairy-Cell Leukemia (HCL) is
uninsurable at current age 60 or less. Possible Table H to Table D at older ages.
- Chronic Myelogenous Leukemia (CML) individually considered five years after bone marrow transplant.
Stage Median Survival;0]
Stage 0 (elevated lymphocyte count) - 12+ years
Stage I (elevated lymphocyte count + enlarged lymph nodes) 8+ years
Stage II (elevated lymphocyte count + enlarged liver or spleen) 6 years
Stage III (elevated lymphocyte count + anemia) 4 years
Stage IV (elevated lymphocyte count + low platelet count) 4 years
Underwriting of this impairment depends upon the stage and age of the client: ;1
Stage Age Rating;0]
0 < 50 years old Decline
50-59 years old Table G
60+ years old Table D
<60 years old Decline
60+ years old with
normal CBC and liver/spleen size Table E
60+ with abnormal CBC
and liver/spleen size Decline
Stages II, Ill, IV would be declined on an individual basis but may be considered highly substandard for survivorship if stable.
Life Insurance Solutions, in summary when underwriting a leukemia history, suggests for those persons looking for life insurance for leukemia the following factors are very important in assessing the risk:
- specific diagnosis?
- date of diagnosis?
- type of treatment?
- date treatment was completed? Is client in remission? Date of remission?
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