Benign brain tumors and life insurance

Additional screening will likely be required, but you can still find coverage.

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With announcements by the National Brain Tumor Society from early 2019 about adaptive treatment research and new medicines available, it’s clear that care for brain tumors is ever evolving. Because each case is unique, your eligibility for life insurance and potential costs largely depend on the specifics of your condition and the provider you’re applying with.

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Can I get life insurance if I’m diagnosed with a benign brain tumor?

Yes, you can find life insurance if you have a benign brain tumor, or if you’ve had one removed in the past. How it’s factored into your application may vary, but typically insurers will take one of four actions:

  1. Offer standard coverage. If you’ve had the tumor removed and it’s been several years, the provider might offer coverage as normal if you have documentation to support it.
  2. Write in exclusions to the policy. You may still be offered a policy, but the provider could include a clause that allows them not to pay your beneficiaries if you pass away due to complications from the tumor. Check for any exclusions and evaluate if the policy is worth its price for the coverage you’ll receive.
  3. Quote you a higher premium. A provider may offer you standard coverage, but at a higher premium than normal. This usually comes with being put in a higher risk class.
  4. Deny coverage. It’s possible that you won’t be offered coverage if you’re still undergoing treatment or have a recurrence. A denial doesn’t mean you should give up though, it just may take a little more time and research.

What options do I have if I’m denied coverage?

Your first step will be to talk with the provider about why you were denied coverage. Having a loved one help with this conversation may make it easier to parse the reasoning later on, and make it easier to research next steps.

Next, continue to compare providers. The direct competition of the insurer that denied you coverage are likely going to do the same, so you may want to steer away from them.

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How do I get life insurance following a benign tumor diagnosis?

What type of information will I need to provide about my benign brain tumor?

You’ll find that the information required is different between providers, but typically you’ll need to provide information relevant to your specific condition.

If you still have the tumor:
  • When you were diagnosed
  • The type of tumor you were diagnosed with
  • Any medication you’re taking and the dose
  • Current treatment plans
If you’ve had the tumor removed:
  • When the tumor was removed
  • Aftercare plans
  • Any instances of recurrence

Can I get a policy without a medical exam?

Yes, there are policies available that don’t require a medical exam. These policies typically come at a higher cost, and may have other requirements you must meet — such as minimum age.

Guaranteed issue life insurance

The tradeoff for not having to take a medical exam is higher premiums and less coverage than you’d find with a traditional policy. You may also need to meet a required minimum age in order to qualify.

Simplified life insurance

A simplified life insurance plan can usually be applied for online or over the phone. A medical questionnaire may still be included, even though it doesn’t require a full exam.

Compare life insurance companies

Name Product Issue Ages Minimum Coverage Maximum Coverage Medical Exam Required State Availability
Fabric
25 - 60 years old
$100,000
$5,000,000
No
Available in all states except for Montana
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.
Policygenius
18 - 85 years old
$10,000
$10,000,000+
Depends on provider and policy
All 50 states
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
Lifefy
18 - 60 (or 55 for smokers)
$50,000
$350,000
No
Lifefy is not available in the following states: Hawaii, Illinois, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, Oregon, Pennsylvania, Puerto Rico, Utah, Virginia, Washington
Offers quick, affordable Term and Guaranteed issue life insurance. Coverage up to $350,000. Only available in 38 states.
Quotacy
18 - 80 years old
$50,000
$25,000,000
Depends on provider and policy
All 50 states and D.C.
Get a quote within minutes from more than a dozen insurers.
JRC Life Insurance
20 - 80 years old
$25,000
$10,000,000
No
All 50 states
Quickly get a quote for coverage with this marketplace, which compares term & whole life insurance policies from 45+ carriers.
eCoverage
eCoverage
25 - 83 years old
$25,000
$1,000,000
Depends on policy
Get a term life quote from eCoverage - starting at as low as $15 per month.
Leap Life
18 - 75 years old
$100,000
$5,000,000
Depends on provider and policy
Currently unavailable in New York
Apply for a simple instant-decision policy free of charge. Compare quotes from multiple A-rated carriers.
Globe Life
18 - 64+ years old
$5,000
$100,000
No – simple application
All states except New York
Simple application process with no medical exam and no waiting period. Pay $1 for the first month of coverage.

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Bottom line

Finding life insurance when you’ve been diagnosed with a benign brain tumor can be difficult, but not impossible. Take your time and compare different life insurance providers to find the policy that fits you best — both in coverage and price.

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