Stage. Similar to the other types of cancer, thyroid cancer is also classified into stages. These stages depend on the acuteness of the disease, and how far away from the thyroid gland it has spread. It is classified using the TMN system: T for the size of the primary tumor; N for the extent of its spread to adjacent lymph nodes, and M for whether the cancer has metastasized to other organs. Each key factor is gauged by the numbers 1-4, in order to denote the cancer’s level of severity. The more acute your cancer is or was, the better chance of coverage you will have.
Treatment. Treatment for thyroid cancer is largely dependent on what type of thyroid cancer you are diagnosed with. There are five options for a patient with thyroid cancer:
- surgery (lobectomy, thyroidectomy, etc.);
- external radiation therapy which may also include radioactive iodine theory;
- thyroid hormone treatments or supplementation and t
- targeted therapy.
The treatments you have undergone will be considered to assess the likelihood of the cancer returning.
Follow-up. After undergoing treatment, patients with thyroid cancer should become more vigilant in terms of their health status. Regular check-ups should be attended in order to ensure that proper care is being given, including additional medications and treatments. Included in routine checkups, are blood samplings and imaging examinations for diagnostic and evaluation purposes. Being able to show a track record of follow-up care, will be considered when determining your risk to a company.
Being diagnosed with cancer and receiving treatment is no easy feat, but it doesn’t completely disqualify you from attaining life insurance. If you have conquered thyroid cancer, or are in the process of curing it, your case will be analyzed based on the above factors and may still qualify for a life insurance policy.
If you are interested in getting a quote, contact one of our insurance agents for a free consultation.