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.

Life insurance for high risk people can sometimes require a bit more legwork.

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

However, we always recommend that if you are trying to save time that you should stick to comparing rates and quotes with all life insurance companies.

You can do this easily below using our instant life insurance quotes rate engine to compare rates with 50 of the top rated life insurance companies.

Life Insurance and Cervical Cancer

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

Risk Factors Impacting Life Insurance With 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

Improving Your Odds For Life Insurance With or After Cervical Cancer

Here’s a quick look at known preventative measures an individual can take to help avoid cervical cancer and also greatly improve your chance of getting life insurance after 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.

Other Factors Impacting Life Insurance Approvals After Cervical Cancer

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.

Possible Approval Ratings After Cervical Cancer

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 Of Cervical Cancer May Require Guaranteed Issue Life Insurance

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.

Guaranteed Issue Life Insurance After Cervical Cancer

Individuals often neglect other avenues to purchase life insurance after they have suffered cancer or other pre-existing medical conditions. This is a big mistake because great policies exist.

Policies that require no medical exam, no medical questions and can supplement your life insurance needs until we can get you approved for life insurance the traditional way.

Sure, it has a 24 month waiting period attached to it.

However, during this waiting period, if you choose the best guaranteed issue life insurance company you can even be afforded 10% interested earned and 100% return of premiums if something god forbid did happen to you in the first 24 months of the policy.

This is a very high performing savings account at the very least. Gerber Life Insurance and American General by far have the best options for these policies. You can check out full reviews of them right here on our site.

We have a full in depth overview of AIG and the rates they may charge you can see here.

Additionally, don’t hesitate to read our full Gerber Life Insurance review here.

Those two guides will give you all the information you need about these policies specifically designed for high risk individuals.

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