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Hello,
This is a new one for me and I had a hard time understanding the client on the phone(electronic speaking device) and underwriting is closed, hence some of my questions here.
I have spoken with underwriting and they all tell me, except 1 company that if "stoma" or hole in neck, its a decline.
1. Is there usually a "stoma" or hole with this health situation? (esophageal cancer & laryngectomy, speaks with electronic device)
2. With esophagael cancer and had laryngectomy, would that be considered a metastasis or is/could it be the result of damage from radiation or any other treatment?
Or is the larynx part of the esophagus?
3. Anybody have experience with the same type of situation and can let me know what to ask/look for, and/or what company if any?
Health history:
Esophageal cancer 20 years ago. Had laryngectomy and now speaks with an electronic device. Free and clear of cancer for 20 years.
Not sure about: lymph nodes involved, metastasis, or if "stoma"/hole.
Med's: Thyroid hormones & HBP
Thanks!
This is a new one for me and I had a hard time understanding the client on the phone(electronic speaking device) and underwriting is closed, hence some of my questions here.
I have spoken with underwriting and they all tell me, except 1 company that if "stoma" or hole in neck, its a decline.
1. Is there usually a "stoma" or hole with this health situation? (esophageal cancer & laryngectomy, speaks with electronic device)
2. With esophagael cancer and had laryngectomy, would that be considered a metastasis or is/could it be the result of damage from radiation or any other treatment?
Or is the larynx part of the esophagus?
3. Anybody have experience with the same type of situation and can let me know what to ask/look for, and/or what company if any?
Health history:
Esophageal cancer 20 years ago. Had laryngectomy and now speaks with an electronic device. Free and clear of cancer for 20 years.
Not sure about: lymph nodes involved, metastasis, or if "stoma"/hole.
Med's: Thyroid hormones & HBP
Thanks!
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