Transcript UW Breast Cancer

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS
Underwriting Breast Cancer
[Presenter Name, Title]
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA, NEWARK, NJ
NOT FOR CONSUMER USE.
0251209-00002-00 ED. 3/2015 EXP. 03/5/2017
CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS
DESCRIPTION
Breast Cancer
• Breast cancer is the most common cancer in women in the United States and second
only to lung cancer as a cause of cancer deaths. Some cancers are discovered when
a woman finds a palpable mass in her breast. Most cases are diagnosed by screening
mammography (breast X-ray). The diagnosis of breast cancer is made by biopsy.
• Staging is done to determine the prognosis, to direct therapies, and to report results in
treatment research studies. The staging system of the American Joint Committee on
Cancer Staging uses TNM (tumor, node, metastasis) classification. The primary tumor
is evaluated by size, involvement of other tissues, status node, and presence or
absence of distant metastasis.
• Non-invasive cancer (aka in-situ) has a better prognosis than invasive tumors. Tumor
size is an independent prognostic factor. Each involved node worsens the prognosis.
• For breast cancer, the mortality risk varies with the stage of the cancer.
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UNDERWRITING CRITERIA
Breast Cancer
Reports Needed and Critical Information for Risk Assessment
• Pathology report/age at diagnosis.
• Stage, nodal involvement, and size of tumor
Best Case Scenario (Non-Smokers)
• Stage 1A (T1 N0) and Stage 0 in-situ (T1 N0) – Standard rates if greater than
or equal to 40 years old (at diagnosis) with small (less than or equal to 1 mm),
low grade, estrogen receptor (ER) positive tumors and normal annual
mammograms.
Unable to Offer
• Greater than 3 nodes positive or nodes other than axillary or intramammary
( a 15 year postponement period, then individual consideration)
• Stages 3 and 4 (a 15 year postponement period, then individual consideration)
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CASE STUDIES
Susan
Susan is a 60-year-old female with the following breast cancer history:
• Diagnosis at age 58.
• Low grade, estrogen receptor (ER) positive.
• Tumor size is 1.1mm and node negative (T1a N0)
Classification
Under our guidelines, the final classification is Non-Smoker Plus with no
postponement.
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CASE STUDIES
Sally
Sally is a 47-year-old female with the following breast cancer history:
• Diagnosed at age 40.
• Treatment ended at age 42.
• Tumor size is 1.5 cm and 1 node positive (T1 N1).
Classification
Table B with Temporary Extra of $10.00 per thousand for 6 years, after
postponement of 5 years from end of treatment.
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Questions?
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IMPORTANT INFORMATION
Case studies are for example purposes only. This material is
intended for insurance informational purposes only and is not
personal medical advice for clients.
Rates and availability will vary based on the satisfaction of our
underwriting criteria. Underwriting rules are subject to change
at the company’s discretion.
Insurance is issued by The Prudential Insurance Company of
America and its affiliates, Newark, NJ.
.
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