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Cervical cancer: how it affects life insurance



January is Cervical Health Awareness Month. According to the American Cancer Society, approximately 14,480 new cases of invasive cervical cancer will be diagnosed in the United States. However, this disease can almost always be prevented with vaccination and appropriate screening, which makes it so important to create awareness.

Although the mortality rate in the cervix has dropped significantly with the increased use of Pap tests, the risk is still not zero. Your life insurance rates may be affected by a history of cervical cancer. The good news is that not all insurance companies guarantee certain health conditions in the same way.

Quotacy is here to dig through the various life insurance companies to help you find affordable life insurance rates that keep you and your family covered. [1

9659004] Buy life insurance with a History of Cervical Cancer

If you have a history of cervical cancer or cervical cancer, your best chances are to get an affordable life insurance policy to apply through a broker, such as Quotacy. Brokers are not tied to a life insurance company and can trade on the market.

We want you to be approved and will work hard to help you get coverage. Start the process by getting a free quote on life insurance or continue reading for more in-depth information on life insurance and cervical cancer.

What is cervical cancer?

Cervical cancer occurs when abnormal cells in the cervix grow out of control. Cervical cancer develops slowly and begins as a precancerous condition called dysplasia. These abnormal cells are easily detected by a Pap test and can be treated effectively.

Most cervical cancers are caused by a virus called human papillomavirus (HPV). You can get HPV by having sexual contact with someone who has the virus. There are many types of HPV and not all of them cause cervical cancer.

10 things to know about HPV

1. There are different types of HPV.

Some types of HPV are considered low risk and can cause genital warts and other types are high risk and can cause cervical cancer if they are not detected and treated early.

2. HPV can be prevented

HPV vaccines are available to prevent infection from both high and low risk types of HPV. The CDC recommends that all boys and girls receive the HPV vaccine at the age of 11 or 12, as the vaccine provides a stronger immune response when taken during the younger years. For this reason, up to the age of 14, only two doses of the vaccine are required. The vaccine is available to all men and women up to the age of 45, but for those aged 15 and over, a complete series of three doses is needed.

3. HPV is common.

Most sexually active individuals have HPV at some point. Some doctors believe that it is as common as the common cold virus. At present, there are approximately 80 million people in the United States with HPV.

4. HPV is spread by human contact

HPV virus is spread by contact with infected genital skin, mucous membranes or body fluids. Studies show that male condoms can reduce HPV transmission to women, even if condoms only protect the skin they cover.

5. HPV often has no symptoms.

Often there are no symptoms of an HPV infection and the body removes the infection on its own over the course of a few years. Some people never know they were infected.

6. HPV can be detected by testing.

A Pap test can find cell changes in the cervix caused by HPV. HPV tests detect the virus and help caregivers know which women are most at risk for cervical cancer.

7. There is no cure for HPV.

There is no cure for the virus itself. However, most genital HPV infections go away with the help of a person's immune system. In addition, caregivers can treat diseases and cell changes caused by HPV.

8. HPV detection can be delayed.

It can take weeks, months or even years after exposure to HPV before symptoms develop or the virus is detected. This is why it can be a challenge to determine when or from whom HPV may have been transmitted.

9. HPV rarely affects pregnancy.

Pregnant women with HPV almost always have natural births and healthy children – it is very rare for a newborn to get HPV from the mother.

10. There is support for those affected by HPV.

It can be outrageous when HPV is first diagnosed, but it is common because there are 14 million new HPV infections in the United States alone each year. The American Sexual Health Association and the National Cervical Cancer Coalition have online support communities on inspire.com that connect patients, partners, and caregivers.

Underwriting HPV

If you apply for life insurance, an HPV diagnosis can affect your life insurance rates. [19659003] If you are HPV positive but have no negative PAP test results, no further insurance examination may be required. If you are HPV positive and also have abnormal PAP results, guarantors will want to know what steps were taken next. A colposcopy or biopsy may be what doctors recommend for treatment.

To qualify for preferred pricing, life insurance companies will want to see that a woman's latest PAP test is normal and that the last HPV test is negative. If treatment such as colposcopy or biopsy was needed, insurers may require that the last three years of PAP testing be normal, in addition to the negative HPV test.

How is cervical cancer treated?

Cervical cancer that is in its early stages can be treated successfully . For women, this is one of the reasons why it is so important to have regular Pap tests.

Women should start taking Pap tests at the age of 21 (or earlier if you are sexually active). Pap tests should be performed every three years until the age of 29. For women aged 30-64, it is recommended that you take Pap and HPV tests every five years. For women 65 and older, your doctor may tell you that you no longer need regular Pap tests.

Treatment options for cervical cancer can be a single treatment or a combination of treatments, such as:

  • Surgery to remove the cancer. The type of surgery needed depends on the location and extent of the cervical cancer and whether you want to have children.
  • Radiation therapy, which uses high-dose X-rays or implants in the vaginal cavity to kill cancer cells. It is used for certain stages of cervical cancer. It is often used in combination with surgery.
  • Chemoradiation, which is a combination of chemotherapy and radiation. This is often used to treat cervical cancer in both the early and late stages.
  • Chemotherapy, which uses drugs to kill cancer cells. Chemotherapy can be used to treat advanced cervical cancer.

After treatment for cervical cancer, it is important to undertake the recommended follow-up care. Your doctor will schedule regular checkups that include:

  • A pelvic exam and Pap test every 3 to 6 months for the first 2 years.
  • After the first 2 years, a pelvic exam and Pap test were 6th month for another 3 to 5 years.
  • After 5 years, a pelvic exam and Pap test every year.

Cervical cancer may recur, or recur, after treatment. The chance of your cancer coming back depends on the stage of the initial cancer. Cancer that is detected early is less likely to return than cancer that is detected at a later stage.


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