Forms Mastectomy

Will past breast cancer affect my life insurance options through my new employer?

I just started a new job and I am trying to decide if I should choose a lower life insurance option that does not require the evidence of insurability form, or take the risk of applying for the higher insurance that I really want. I had DCIS a year and a half ago which was fully cured with mastectomy. I needed no chemo or radiation and had a clean 1/year check up. Has anyone had the experience of being rejected by a life insurance co for similar reasons?

From my experience, cancer is a definite thing not to have in your history if you want life insurance. My husband had testicular cancer, a seminoma, with 97-100% cure rate and he can’t get any extra life insurance through his employer or buy another policy. Most recently, he applied for and was denied disability insurance through state farm insurance. Given that breast cancer has a lower survival rate, I would think if my husband wasn’t approved, you most likely wouldn’t be either. And his cancer was in 2000 and his five year mark was three years ago. But, with that said, it can’t hurt to try. The most they can say is no.

How to buy mastectomy breast forms