Life Insurance for Cancer Survivors [Options, Rates and More]




Obtaining Life Insurance After Cancer

Life Insurance for cancer patients can be tricky.

Same goes for life insurance for cancer survivors.

Maybe you are still going through the treatments for cancer and want to know your options.

Anytime you are trying to purchase high-risk life insurance, it’s common to be intimidated.

The bad news first? 

The options are limited and are different than your typical traditional term or permanent whole life insurance policy.

Maybe you have been in remission for a while and are trying to begin planning for your future.

If this is the case, we guarantee, you have more options than you think.

The rates may be even lower than you expected as

Life insurance for cancer patients or cancer survivors won’t be the easiest task.

We don’t want to feed you any baloney or act like obtaining life insurance as a cancer patient is a walk in the park.

One of the first things we always recommend doing even if you have cancer is comparing rates with all life insurance companies.

You can do so easily below using our free instant quote tool that takes about 10 seconds to use.

Several things to need to line up and many different aspects need to be considered and carefully thought out by yourself and your life insurance agent.

Is getting life insurance as a cancer survivor difficult?  It can be. What about life insurance for cancer patients? Is it doable?

That all depends

We have done it hundreds of times.

It really comes down to some diligence by you and your life insurance agent when purchasing life insurance with pre-existing medical conditions.

Our hope is this ultimate guide to obtaining life insurance as a cancer patient can serve as a useful tool for helping plan you and your family’s protection and financial future.

We don’t want anyone not knowing which direction to go if they can’t get approved for life insurance.

Life Insurance For Cancer Patients or Cancer Survivors

Cancer has been a major health concern around the world for decades.

For a while, it was growing at rapid paces.

Surprisingly, over the last few decades, the rates for new cancer cases has been on the decline somewhat.

According to the following are the most common forms of cancer currently and as of 2019.

You can also use the links below to review our full articles about life insurance with each form of life insurance.

A good example would be an individual searching for life insurance with prostate cancer.

Using the information below well you help you navigate your life insurance specifically geared towards your form of cancer.

Bladder Cancer

Breast Cancer

Colon and Rectal Cancer


Endometrial Cancer

Kidney Cancer- Including Renal Cell and Renal Pelvis


Liver Cancer

Lung Cancer


Non- Hodgkin’s Lymphoma

Pancreatic Cancer

Prostate Cancer

Thyroid Cancer

Common Forms Of Cancer We Help Obtain Life Insurance For

We cover cancer’s mentioned previously however, we work with individuals with all forms of cancers which includes many other forms of cancer.

If you have cancer not mentioned above.

Check out the other cancers Good Life Protection works with to obtain affordable life insurance for here.

Acute Lymphoblastic Leukemia (ALL)

Acute Myeloid Leukemia (AML)

Adrenocortical Carcinoma

AIDS-Related Cancers

Anal Cancer

Appendix Cancer

Basal Cell Carcinoma- Skin Cancer

Bladder Cancer

Bone Cancer

Brain Cancer

Breast Cancer

Burkitt Lymphoma

Carcinoid Tumor

Cervical Cancer

Chronic Lymphocytic Leukemia

Chronic Myelogenous Leukemia

Colorectal Cancer (Colon Cancer)

Endometrial Cancer- Uterine

Esophageal Cancer- Throat

Ewing Sarcoma (Bone Cancer)

Eye Cancer

Fallopian Tube Cancer

Gallbladder Cancer

Gastric or Stomach Cancer

Gastrointestinal Carcinoid Tumor

Gastrointestinal Stromal Tumors (GIST)

Hairy Cell Leukemia

Head and Neck Cancer

Hepatocellular (Liver) Cancer

Hodgkin’s Lymphoma

Kidney Cancer

Kaposi Sarcoma

Langerhans Cell Histiocytosis


Lip and Oral Cancer

Lung Cancer


Male Breast Cancer

Malignant Fibrous


Metastatic Cancer

Mouth Cancer

Multiple Myeloma (Plasma Cancer Neoplasms)

Myelogenous Leukemia (CML)

Nasal Cavity and Paranasal Sinus Cancer

Nasopharyngeal Cancer


Non-Hodgkin Lymphoma

Non-Small Cell Lung Cancer

Oral Cancer

Osteosarcoma and Malignant Fibrous

Ovarian Cancer

Pancreatic Cancer

Penile Cancer

Plasma Cell Neoplasm

Prostate Cancer

Rectal Cancer

Recurrent Cancer

Renal Cell- Kidney Cancer


Salivary Gland Cancer


Small Cell Lung Cancer

Squamous Cancer

Thymoma and Thymic Carcinoma

Thyroid Cancer

Urethral Cancer

Uterine Cancer

Vaginal Cancer

Vascular Tumors

Vulvar Cancer

So, what Needs to Happen to Obtain Life Insurance

Life Insurance Look Back Period For Cancer Survivors

Possibly, the most important factor regarding your chances of approval for life insurance with cancer or in remission for cancer is known as the lookback period.

This is the amount of time the life insurance carrier wants to see lapsed since cancer entered remission.

Some cancers require longer lookback periods than other cancers require.

Let’s look at how long the life insurance carriers want to see cancer in remission for as of 2019.




Life Insurance After Cancer Gets Much Easier After 3-5 Years

A good rule of thumb is that most life insurance carriers will want to see at least 5 years, but this does not always hold true.

Sometimes you can qualify much sooner than that.

It’s also not very common for a life insurance carrier to offer life insurance for cancer patients that don’t fit the guidelines we have laid out for you.

You see…

The life insurance carriers use information from medical databases and follow guidelines published regarding the estimated mortality for cancers and typically have a final review by a medical director for the company or carrier.

Increasing Approval Odds For Life Insurance After or With Cancer

Life insurance carriers love to see that you are currently in remission.

As stated before, it will be tough to gain approval for life insurance if you are still completing treatment unless you aim for a guaranteed issue life insurance policy.

Here are a few other helpful hints that can greatly help your application success for life insurance for cancer patients.

  • Be diligent with all follow up with all physicians and your oncologist.
  • Keep your records clean and updated. (The life insurance carrier will want to review your medical records) Not to mention, it helps to provide this information to your agent when shopping for a policy.
  • Know the exact dates and information related to your cancer diagnosis.
  • When were you diagnosed?
  • What stage cancer was it?
  • What was the treatment method? Surveillance? Chemo? Radiation?
  • What’s the overall prognosis?
  • Chances of a recurrence of cancer? 5%? 10%?

Knowing these will dramatically help your life insurance agent which in turns greatly helps your ability to gain coverage for life insurance.

Yes, even life insurance for cancer patients.

You’re also going to have to be willing to complete the medical exam.

No carriers will approve you for a non-exam life insurance policy unless it’s a guaranteed issue policy.

Underwriting Questions Life Insurance Companies Ask Individuals After Cancer

Here are a few additional questions you may also encounter on your search for life insurance

  • What size was the tumor(s)?
  • Were lymph nodes involved?
  • Did cancer metastasize?
  • The start and completion dates of your treatment.
  • When was the last date of treatment?
  • Have you had any relapses?
  • What kind of medications are you taking?

And Don’t forget…

The rest of your health is also important.

Cancer is just one piece of the equation.

The life insurance agent and the carrier will want to know about the rest of your health and lifestyle.

Types of Life Insurance Cancer Survivors Qualify For

In some situations, life insurance for cancer survivors will require policies that ask no medical questions.

A great example of this would be deciding to work with a company such as American General Life Insurance Company.

They offer one of the best-guaranteed issue life insurance policies money can buy.

Cancer survivors can take advantage of this.

Big time.

If you are currently still receiving treatment for cancer your only option will be guaranteed issue life insurance.

If you have completed treatment and are out of the waiting period, you can apply for all forms of life insurance including term, universal or whole life insurance.

Here are a few other helpful tips that can dramatically increase your chances of obtaining life insurance for cancer patients.

  • Stay diligent with your doctor
  • Keep Medical Records Handy
  • Wait extra time if need be
  • Be willing to accept a graded policy or guaranteed issue policy if it’s the only option
  • Shop with an independent life insurance agent and agency

Cancer Patients Should Informally Apply For Life Insurance

To simplify things just a bit more.

Don’t worry about the premiums currently when applying for life insurance.

Get your medical records together and choose a carrier with an independent life insurance agent and agency.

You see….

The life insurance carrier will typically cover the cost of ordering your medical records and performing a medical exam.

This is at no cost to you and no further obligation.

If you are out of the recommended waiting time, you can simply apply and see how you do and then tailor a policy to fit your needs and budget after it’s complete.

This will dramatically reduce the stress during the application process and allow you to get everything lined up before making any final decisions about which carriers to choose or how much coverage you need.

You see…

Typically, in addition to paying for your records and exam, if you work with an independent agent, that same underwriting will typically be good with most carriers.


This simply means you can get your approval and then shop to find the lowest rate and best option to serve to protect your family’s life insurance needs.

Life Insurance Rates Can Decrease The Longer You Are Cancer Free

Maybe is the best answer for life insurance for cancer patients.

Some life insurance carriers will consider allowing you to reduce your premium or allow for reconsideration after more time has passed.

It doesn’t necessarily mean they always permit this, however.

It’s also more likely to happen if you were approved and charged what’s known as “flat extra charge” for your additional risk of having cancer.

Life Insurance Rates You Expect After Cancer

Unfortunately, this is a pretty tough question to answer.

I know, not the answer you wanted to hear.

However, the actual rates you get approved can vary greatly based on…

  • Family History
  • Type of Cancer
  • The time you have waited before applying
  • Current Age
  • Current Tobacco Use

It’s just too hard to pinpoint exactly where your rate may land.

Just remember, you can be approved, and you do have options

Life Insurance For Cancer Patients and Cancer Survivors is 100% Possible.

Here’s the moral of the story.

Life insurance for cancer patients doesn’t have to be so intimidating.

Don’t get to worked up about purchasing life insurance whether you’re a cancer survivor, cancer patient or have a family history of cancer.

Options are still available, and we are here to help.

Work with us or an independent agency and get on the path toward protection for you and your family.

If we missed anything we would love to hear from you.

Comment below or fill out a quote request.

May the best price win


Resources: Cancer.govCancer.netAmerican Cancer Society