Life Insurance After Cervical Cancer [Don’t be Declined]

Looking for life insurance after completing your treatment for cervical cancer?  You have come to the right place!  Life insurance after cervical cancer be intimidating but it doesn’t have to be. Life insurance for cancer survivors is always a little trick but we got your back.

You see…

It can be just as easy as obtaining life insurance prior to ever having cervical cancer.  It all depends on your willingness to be prepared and ready for what’s to come during the application process. It also depends on how risky the life insurance company views your individual case.

That’s what we are here for.

Good Life Protection aims to deliver you the information needed to make obtaining life insurance after cervical cancer a walk in the park.

Fair warning…

It does require that you answer many questions and have your homework completed before entering the life insurance application stage.  Don’t worry, we will explain how all that works for you.

Unfortunately, you will have to read the rest of this blog to find that information on how to obtain life insurance after cervical cancer

Who is Cervical Cancer Currently Impacting?

According to the American Cancer Society, cervical cancer accounts for 13,240 new cases of invasive cervical cancer for the year 2018.

Sadly, 4,170 of these cases will result in death.

Not long ago, cervical cancer was one of the most common causes of death in the United States for women.  Once the PAP test was introduced, the rates dropped significantly.

The PAP test is a test which allows physicians to see changes in the cervix before the cancer ever develops.  If it doesn’t locate the cancer before it develops, it typically finds the cancer in very early stages.

This is very good when it comes to obtaining affordable life insurance rates after cervical cancer.

Cervical cancer most often presents itself during the midlife for most women.

Ages 35-44.  It’s extremely rare to see cervical cancer diagnosed before the age of 20.

More than 15% of cervical cancers were however diagnosed in women ages 65 plus.

So, what is cervical cancer anyways?

Cervical cancers begins in the lining of the cervix.  The lower part of the Uterus.

Endocervix– This is the part of the cervix that’s closest to the body of the uterus.  It’s covered with glandular cells.

Exocervix– This is the part next to the vagina and is covered in squamous cells.

9 out of 10 cervical cancer cases are squamous cell carcinomas.  They develop in the cells in the exocervix and the cancer has features of squamous cells under the microscope.

Nearly all other cervical cancer cases are adenocarcinomas which develop from gland cells.

Life Insurance after cervical cancer

Most Known Risk Factors That Cause Cervical Cancer?

According to, here are the most common risk factors known to cause cervical cancer.

  • HPV Infection (Human papillomavirus)
  • Smoking or tobacco use
  • Having a weakened immune system
  • Chlamydia Infection
  • A diet low in fruits and vegetables
  • Obesity
  • Long Term Use of Birth Control
  • IUD USE (Intrauterine device)
  • Multiple Full-Term Pregnancies
  • Being younger than 17 for first Full-Term Pregnancy
  • Family History of Cervical Cancer

What can you do to battle back against Cervical Cancer?

Here’s a quick look at known preventative measures an individual can take to help avoid cervical cancer.

  • Getting an HPV vaccine
  • Testing for HPV
  • Not Smoking
  • Condom Use

Life Insurance Underwriting for Cervical Cancer

So, what will be needed for the underwriting process and life insurance application process?

Most importantly, you will need detailed records describing every aspect of the cervical cancer.

The life insurance company and underwriters will want to know the following.

  • When was the cervical cancer diagnosis?
  • Have there been any recurrences?
  • Do you smoke or use tobacco products?
  • When did you complete your treatment for the cervical cancer?
  • Any family history of cervical cancer?
  • What stage was the cervical cancer at diagnosis?
  • What form of treatment did you undergo?

It’s imperative that you answer these questions as detailed as possible.

You see…

Life insurance companies love having all the information readily available and records and answers to be accurate.

It makes it much easier to gain an approval and for the life insurance company to accurately underwrite your case.

After you answer these questions, you will also have some questions to answer about your general health such as…

Do you take medications for any other conditions?

What’s your current height and weight?

Assuming you have all this information ready to go and or are willing to allow the insurance company to view your medical records, here’s some potential outcomes you may be looking after cervical cancer.

The biggest determining factor the life insurance company will look at is what stage the cervical cancer was when it was diagnosed.

This allows the company to somewhat predict future issues that could arise from the cancer diagnosis.

Preferred Plus– This rating just won’t be possible after having cervical cancer.

Preferred– Not only does cervical cancer disqualify you from this rating class, almost all cancers prevent you from achieving preferred rates even after a waiting period has elapsed.

Standard– This is a long shot, but this will be the absolute best possible outcome you can expect after having cervical cancer.  You would also need other factors of your health to be in good shape to achieve this rating after cervical cancer.

Sub Standard Ratings– This would be where you likely fall for your rating after cervical cancer.  Somewhere between a Table 2 and Table 6 rating assuming you had the cancer taken care of before it reached anything past stage 1 cervical cancer.

A minimum 2 years should be passed before applying after completing your cancer treatment.

Anything after stage 2 cervical cancer-

Unfortunately, if you had anything past stage 2 cervical cancer, your likely going to be declined traditional life insurance coverage.  Stage 2 cervical cancer typically indicates that cancer complicated more organs or areas outside of the cervix.  More than two years would need to pass before applying and don’t get your hopes up for the lowest rates or speedy approvals.

Worst case scenario, you should never turn your back on a guaranteed issue or an accidental death policy.  These can be excellent policies to protect your family if all other options have been exhausted.

Where to begin

You need to carefully evaluate all options and consider many different companies before applying.

Have your ducks in a row and be prepared to answer the questions we discussed to gauge your chances at approval for traditional life insurance coverage after cervical cancer.

It can be done, it just requires a bit more work.

Don’t give up the fight however.  If push comes to shove, consider other avenues of life insurance coverage so your family doesn’t go unprotected.

Give us a chance to help.  Good Life Protection has handled hundreds of cases for individuals after completing cervical cancer and would love to help you too.  Fill out the quote form to the right or drop a comment below.  We would love to hear from you!

May the best price win!

Resources : NHSNCCCMayoclinic


other Cancers : BladderSkinThyroid

Josh Martin and family of Good Life Protection

Josh Martin is the founder of Good Life Protection. He began his career as a captive Agent working for New York Life Insurance Company. After continued education and designations, Josh founded Good Life Protection to provide consumers with more options and insurance that truly fits into your budget and health classification.