Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Life insurance for cancer patients and survivors

Your options will depend on your diagnosis and current health.


Fact checked

Get life insurance today

Compare your custom life insurance policies starting at $16/month.

Your information is secure.

If you’ve had cancer, you can still qualify for life insurance. But how much your premiums cost and what policies you’re eligible for will depend on your medical history.

How to get life insurance for cancer patients

If you’ve been diagnosed with cancer in the last two to four years, or you’re currently undergoing treatment, you typically won’t be able to access a traditional term or whole life policy. This is because your health is uncertain, and you’re deemed risky in the eyes of the insurer. That being said, you can purchase a guaranteed issue policy.

These policies don’t require medical underwriting, and coverage is — as the name suggests — guaranteed. They’re available in small coverage amounts ranging from $10,000 to $25,000, and have higher premium payments because the provider doesn’t have a complete picture of the person they’re insuring. Final expense insurance is a type of guaranteed issue life insurance.

There’s one exception to this: If you have an early-stage skin cancer that can be easily removed, you should be able to purchase any type of coverage.

What happens if I don’t tell my insurer about my condition?

It’s important to disclose all medical information to your insurer. If you omit any information from your application, your insurer will have the right to refuse to pay out your benefit if you die or become terminally ill — even if you’ve been paying premiums.

Guaranteed issue life insurance

Can I get life insurance if I’ve had cancer in the past?

In most cases, cancer survivors are eligible for traditional coverage — but you’ll likely need to wait until you’ve been in remission for more than a specific length of time. The waiting period will vary based on the insurer and these factors:

  • The type of cancer you had
  • The date of diagnosis
  • The date of your last successful cancer treatment
  • Your insurer’s health underwriting guidelines — for example, how they treat a family history of cancer.

You may also need to pay higher premiums. And with certain types of cancer that are likely to reoccur, you may need to get a guaranteed-issue policy.

Can I access preferred rates as a cancer survivor?

It comes down to your insurer’s underwriting standards and the type of cancer you had.

Depending on your insurer, you might be able to access these rating classes for the following cancers:

Preferred PlusPreferredStandard
  • Non-melanoma skin cancers
  • Cervical cancer
  • Uterine cancer
  • Prostate cancer
  • Testicular cancer
  • Thyroid cancer
  • Bladder cancer
  • Breast cancer
  • Colon cancer
  • Leukemia
  • Lung cancer
  • Benign tumors

Compare life insurance quotes for cancer survivors

Name Product Issue age Minimum Coverage Maximum Coverage Medical Exam Required
18 - 100 years old
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
18 - 85 years old
Depends on provider and policy
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
18 - 80 years old
Depends on provider and policy
Get a quote within minutes from more than a dozen insurers.
25 - 60 years old
Depends on policy
Get affordable term life insurance with accelerated underwriting or no-exam coverage up to $1,000,000. Available in all states except CA, NY and MT.
LadderLife™ Life Insurance
20 - 60 years old
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.

Compare up to 4 providers

Can I get life insurance if I have a family history of cancer?

Yes, but your family history can affect how much your premiums cost. If a parent or sibling died from cancer before a certain age, usually around 60, an insurer may consider you to be a higher risk. But distant family members and cancers diagnosed in old age generally won’t affect your application. The same goes for gender-specific cancers if you’re the opposite sex. For example, if you’re a male with a mother who had ovarian cancer, that shouldn’t impact your ability to get coverage.

Insurers weigh up family medical histories differently, and some are more lenient than others. If you have a family history of cancer, be sure to compare quotes from a range of insurers to make sure you’re getting the best possible rate.

Protect your loved ones
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.

Need help? Talk to a customer specialist


How much more will it cost?

While some cancer survivors will be able to get a policy at a competitive rate, others can pay several times more for insurance. Low-risk applicants will generally qualify for preferred plus, preferred, standard plus or standard ratings, which have the cheapest rates. Applicants who don’t fit into one of those categories will get what’s called a table rating.

Table ratings put applicants into a stepped system based on risk. For each step of higher risk, rates go up by 25%. At most companies, you can pay anywhere from 25% to 250% more than standard applicants before your application is denied altogether.

How to increase the likelihood of finding life insurance

To improve your chances of getting a policy:

  • Collect the right paperwork. You want to have all of your documentation ready before you apply. This includes your complete medical records, pathology reports and records of your treatment plan. The more the insurance company knows about you, your cancer diagnoses and treatment plan, the more likely they may be able to insure you.
  • Get a note from your doctor. Ask your doctor to write you a note stating when you had treatments for cancer done, when you went into remission and what your prognosis is. This may help the insurance company get a better understanding of your specific situation.
  • Abide by the treatment plan. It’s important for the insurance company to see that you’re sticking with your treatment plan — meaning going to all follow-up appointments or check-ups. The more proactive you are about your health, the more likely you’re to remain healthy.

What questions might I be asked?

Insurers will want to ask a lot of questions about your cancer and your medical history, which can stir up fear, worry and feelings you might’ve thought behind you. Consider leaning on your loved ones for support during the application process, and be prepared to answer questions such as:

  • Do you have a family history of cancer? What was the age of onset?
  • Has anyone in your family died from cancer? If so, at what age?
  • What type of cancer do you or did you have?
  • Have you been advised that the cancer is treatable and what’s the percent chance of success?
  • What treatments did you receive while you had cancer?
  • Are you currently in remission? If so, how long have you been in remission?
  • Are you still taking medication or receiving tests?
  • What is the contact information of your doctor?

Can I take out critical illness insurance for cancer?

Critical illness insurance offers a lump sum benefit payment if you suffer from a specified illness. If you’re currently in remission, you may be able to take out a critical illness policy. But you’ll want to check the fine print to make sure a relapse of your previous cancer isn’t excluded from coverage.

The cancers commonly covered under critical insurance policies are:

  • Carcinoma in situ of the breast
  • Skin cancer
  • Prostate cancer
  • Leukaemia
  • Hodgkins Disease
  • Brain tumors
  • Cervical cancer
  • Ovarian cancer
  • Bowel cancer
  • Testicular cancer
  • Invasive cancer
  • Malignant bone marrow disorder
  • Carcinoma in situ of the male or female organs

It’s important to keep in mind that insurers determine application approval and coverage based off of each individual situation.

What can the benefit payment be used for?

The lump sum benefit your policy offers can be used to pay your medical bills, help with your recovery and manage ongoing expenses that may arise from expensive treatments and strenuous rehabilitation processes. You can also use the benefit to offset any time taken off from work that results in missing your regular income.

Compare your options

Bottom line

Each insurance company has its own set of guidelines for covering cancer survivors, so you may need to apply with several companies in order to find one that’s the right fit. Compare life insurance companies to get started.

Frequently asked questions

Read more on this topic

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site