In this article, we want to provide our readers with a resource where they can learn more about how a life insurance company is going to “view” an application from someone who has been diagnosed with cancer. You can also compare life insurance quotes for both exam and no exam coverage.
Want to use this article to segue into more specific information focusing on the 16 most common forms of cancers that we see here at TermLife2Go.
While there are certain “assumptions” that can be made regarding an application from someone who has been diagnosed with cancer, at the end of the day, how a life insurance company is going to “view” your life insurance application is going to depend on a wide range of factors including:
- Your age when first diagnosed with cancer.
- The type of cancer you were diagnosed with.
- The stage of cancer you were diagnosed with.
- What treatments you received.
- And your last date of treatment?
The insurance companies are going to turn their attention to some more “basic” information such as:
- Your height and weight,
- Your immediate family medical history,
- Do you suffer from any other pre-existing medical conditions,
- Are you currently taking any prescription medications,
- Etc, etc…
We’re going to try and answer as many questions as we can here in this article, it’s important to understand that there are many factors that will come into play when determining if you can qualify for a traditional term life insurance vs whole life insurance policy.
Some of those…
Factors will center around your health and the fact that you’ve been diagnosed with cancer while others may have nothing to do with your health at all!
Did you know that insurance companies are also going to be interested in:
- What you do for a living?
- Your driving record?
- Your hobbies?
- Where you like to travel?
- Etc, etc…
As well as a host of other “non-health” related topics which could potentially have a significant affect in the outcome of your life insurance application.
Now is this a big deal?
No, it just means that regardless of how thorough we try to make the following article, we’re always going to need to ask you a few more questions or get a little bit more information about your particular situation before we can make any definitive guesses on what “types” of life insurance policies you may or may not be able to qualify for. And… what “price” you may be expected to pay.
But we’re not going…
To let that stop us from at least “trying” to give you a pretty good idea about how your cancer diagnosis is going to affect your life insurance application. So, without further ado, let’s dive right into it.
Top 16 Cancers Life Insurance Companies See Most Frequently
(in no particular order)
- Breast Cancer.
It really shouldn’t come as a huge surprise that we here at TermLife2Go decided to start our list today by talking about breast cancer. After all, according to the National Cancer Institute, there will be approximately 252,000 women and 2,400 men diagnosed with breast cancer each and every year.
And while early…
Detection and diagnosis can significantly improve one’s chances of beating their cancer, there are still WAY too many men and women losing their fight each and every year.
This is why…
Many life insurance companies will be very interested in the “specifics” of your situation and will certainly want to know:
- How old were you when you were first diagnosed?
- What stage did you diagnose your breast cancer at?
- What treatment(s) did you receive?
- If you are currently in remission, when was your last date of treatment?
- Also, when was the last time you had a regular follow up by your primary care physician?
Now these are just a few of the questions you’ll be asked when applying for a traditional term or whole life insurance policy.
For more information about applying for a traditional term or whole life insurance policy, we would recommend that you take a look at the following article that will go into much further detail: Qualifying for Life Insurance with Breast Cancer.
- Skin Cancer.
Now a day’s, it’s almost more challenging to find someone that doesn’t have a friend or family member who hasn’t been diagnosed with some type of skin cancer.
After all, non-melanoma skin cancer will affect over 3 million Americans each and every year!
And while most skin cancer cases won’t cause too much alarm for a lot of life insurance companies, there are some more aggressive forms of skin cancer which could significantly affect your chances at being able to qualify for a traditional term or whole life insurance policy.
For this reason, if you have been diagnosed with skin cancer in the past, regardless of how “minor” the case may have been, we would highly recommend that you check out our article: Qualifying for Life Insurance with Skin Cancer before you choose to apply with ANY life insurance company.
- Lung Cancer.
With nearly 200,000 new cases of lung cancer diagnosed within the United States each and every year, it’s no surprise to us, here at TermLife2Go, when we get call from someone asking if they or a loved one will be able to qualify for a traditional term or whole life insurance policy after being diagnosed with lung cancer.
Getting into the whole “smoking vs non-smoking” debate, what we can tell you is that if you have been diagnosed with lung cancer in the past and are not currently using tobacco, “theoretically” you should be eligible for coverage provided that your cancer did not extend beyond a stage 4 diagnosis.
Now will you…
Be able to qualify for a traditional term or whole life insurance policy if you’ve been diagnosed with lung cancer and you continue to smoke? Probably not.
And even if you were able to find a life insurance company that will offer you a traditional coverage as a smoker, the cost of such a policy will probably be OUTRAGEOUS!
The good news is…
That there are some “types” of life insurance policies that will not ask an applicant if they are currently using tobacco and could be a good option for those who have been diagnosed with lung cancer in the past and continue to use tobacco.
For more information about what “types” of life insurance policies you may or may not be able to qualify for, we would recommend that you visit our article: Qualifying for Life Insurance with Lung Cancer.
- Ovarian Cancer.
While ovarian cancer doesn’t seem to get nearly the same amount of attention as other more common types of cancers, it still accounts for nearly 5% of all cancers in women and is particularly common in women between the ages of 40-70 years or age (Which also just happens to be some of the most common years folks being thinking about purchasing a life insurance policy!).
Researchers has also found that the rate of ovarian cancers seem to be on the rise particularly in highly industrialized countries with woman of higher socioeconomic status.
And while the cause for this has not yet been determined, it is believed that it could be related to the smaller number of pregnancies in this group compared to similar populations in non-industrialize countries, which does seem to correlate with data that shows that women who have not borne a child will experience an increased risk for ovarian cancer.
Other risk factors may include:
- Early menopause,
- A diet high in fats,
- Family history of ovarian cancer,
- Previous diagnosis of breast cancer,
- And previous exposure to radiation treatment,
The good news is…
That many woman who have been diagnosed with ovarian cancer at an early stage will “potentially” be eligible to qualify for a traditional term or whole life insurance once their cancer is forced into remission.
The bad news is…
That many ovarian cancer cases will go undiagnosed in stages 0 and 1 simply because the patient isn’t likely to experience any symptoms. As a result, these cases will often be more difficult to treat and will likely be harder to insure.
For more information about qualifying for life insurance after being diagnosed with ovarian cancer, we would recommend that you check out our article: Qualifying for Life Insurance with Ovarian Cancer.
- Cervical Cancer.
Worldwide, cervical cancer is the fourth most common type of cancer in woman, affection nearly 530,000 patients each and every year. Cervical cancer also represents nearly 7.5% of all female cancers worldwide.
The really sad part about this is that nearly 85% of all cervical cancer related deaths occur in less developed regions of the world where early detection programs are less likely to be available.
This is why…
It is so important for woman to routinely be “screened” for cervical cancer particularly because early cervical cancer cases are not likely to present themselves with any kind of symptoms and can only be detected by screening for “pre-cancerous” cells during a gynecological exam.
The good news…
Is that if you’re cervical cancer is discovered early (stage 0), and you have it surgically removed, in theory, you can still be able to qualify for a traditional term or whole life insurance policy.
In fact, you may even be able to qualify for a Preferred rate.
For more information about applying for a traditional term or whole life insurance policy after being diagnosed with cervical cancer, we would recommend that you check out our article: Qualifying for Life Insurance with Cervical Cancer.
- Uterine or Endometrial Cancer.
As the number one most common type of cancer that affects the female reproductive system, it only makes sense that we include uterine cancer in our it Top 15 Most Common Types of Cancer list that we see here at TermLife2Go.
The good news is that…
Because both of these “types” of cancers will often cause one to experience frequent “abnormal” vaginal bleeding, those suffering from uterine or endometrial cancer will often times have their condition diagnosed early on.
And when it comes to…
Beating cancer and qualifying for a traditional term or whole life insurance policy, early detection is key for both!
For more information regarding what the process will look like when applying for life insurance after being diagnosed with endometrial or uterine cancer, we recommend that you read our article: Life Insurance with Endometrial or Uterine Cancer.
- Liver Cancer.
Helping folks qualify for a traditional term or whole life insurance policy after they have been diagnosed with liver cancer can be really tough. This “difficulty” lies in the inherent fact that in general, anytime someone has an “issue” with their liver, this is automatically going to make them more difficult to insure.
That being said however…
Those who are able to diagnosis and beat their liver cancer prior to it spreading beyond the actual kidney itself will generally still be able to qualify for a traditional term or whole life insurance policy assuming that they are otherwise in good shape.
And by good shape…
We mean that they are otherwise health and they aren’t experiencing any current decrease in liver function or demonstrating any liver “abnormalities”.
Will usually be required to wait a minimum of 2 to 3 years before being eligible for coverage, however each individual will vary on a case by case basis.
For more information on how you may be able to qualify for a traditional term or whole life insurance policy, we would recommend that you read our article: Qualifying for Life Insurance with Liver Cancer.
- Kidney Cancer.
Kidney cancer is one of those “types” of cancers that can go by several different names such as: renal cancer or renal cell carcinoma. It can even be described by which cells within the kidney actually become cancerous:
- Clear cell,
- As well as others.
The good news…
Is that when it comes to qualifying for life insurance, the “type” of cells that have been affected won’t necessarily play as big of a role as what “stage” your cancer has progressed to.
Because most of us were born with two kidneys, assuming that your kidney cancer is diagnosed early enough, your doctors should have several different methods to treat your cancer and hopefully be able to cure you!
This is why…
You’ll also find that, assuming you diagnosed your cancer early that many insurance companies will be willing to consider you eligible for a traditional term or whole life insurance policy assuming that you would otherwise be eligible.
For more information on what life insurance options may or may not be available to you after being diagnosed with kidney cancer, we would recommend that you visit our article: Life Insurance with Kidney Cancer.
- Pancreatic Cancer.
We’re going to have to be honest with you that in the “world of life insurance”, most life insurance companies are not going to want to offer a traditional term or whole life insurance policy to someone that has been diagnosed with pancreatic cancer.
And while its…
“Theoretically” possible for someone with Stage 0 or Stage 1 to be able to qualify for coverage, because pancreatic cancer is generally considered “incurable” even when applicants are able to diagnose their pancreatic super early and go into remission quickly, most life insurance companies will still refuse to approve an applicant who has been diagnosed with pancreatic cancer.
And even if an insurance…
Company is willing to consider an applicant for coverage, that applicant will usually need to be cancer free for a minimum of 5 years and be in exceptional health to boot!
For this reason…
We’ll generally want to first “shop” one’s application prior to “officially” submitting it for approval so that we avoid any “un-necessary” denials and avoid making a client take a medical exam and get poked with a needle if there is very little chance for them to be approved for coverage anyway.
We rather find out if the client has any chance of being approved first and if not, then suggest some alternative life insurance products that they may be eligible for.
For more information about what the “process” of applying for a traditional term or whole life insurance policy will look like after being diagnosed with pancreatic cancer, we would recommend that you visit our article: Life Insurance with Pancreatic Cancer.
- Prostate cancer.
Prostate cancer is one of those types of cancers that can be “tricky” for a life insurance agent for a couple of reasons. First, it’s important to understand that while having an enlarged prostate and an elevated PSA are both signs of possibly having prostate cancer which will play a major role in the outcome of your life insurance application, these are also symptoms of suffering from benign prostatic hyperplasia which will not play a major role in the outcome of your life insurance application! So, which is it?
Folks who have been diagnosed with prostate cancer and have had it treated are going to “potentially” qualify for a wide spectrum of possibilities when it comes to qualifying for a traditional term or whole life insurance policy.
Some folks my even qualify for a Preferred rating if they meet very specific criteria!
May not be able to qualify for a traditional term or whole life insurance policy at all. For more information about how life insurance underwriters will determine who “will” and who “won’t” qualify, we would recommend that you give us a call or check out our article: Qualifying for Life Insurance after Prostate Cancer.
- Thyroid Cancer.
While thyroid cancer isn’t necessarily ranked in the top 10 most common types of cancer in the United States, nearly 56,000 new cases will be diagnosed each and every year so it’s also not a “super” rare condition either.
The good news is…
Is that because of the location of the thyroid gland, and the nature of thyroid cancer, many individuals will often notice a lump on either side of their next neck early on in their disease which will often lead them to see a doctor and thus be diagnosed relatively early.
As we all know, one of the best ways to beat cancer is to diagnosis and treat it early in its development which is why although thyroid cancer can be deadly, the mortality rate is relatively small compared to other more difficult to diagnosed cancers.
As a result…
We here at TermLife2Go, will also find it “easier” to find coverage for folks who have been diagnosed with thyroid cancer in the past simply because many of them will have been able to “arrest” the cancer development early on and become “cured” at an early state.
For more information about what process of applying for life insurance will look like after you’ve been diagnosed with thyroid cancer, we would recommend that you visit our article: Qualifying for Life Insurance After Being Diagnosed with Thyroid Cancer.
- Bladder cancer.
Qualifying for a traditional term or whole life insurance policy after being diagnosed with bladder cancer isn’t always going to be super easy. In fact, many people who have been diagnosed with bladder cancer in the past may not be able to qualify for traditional life insurance coverage for a really long time, or FOREVER, depending on the “stage” of cancer that they have recovered from.
The main problem is…
Most people aren’t necessarily going to be “routinely” checked to see if they may have bladder cancer and it’s not until people begin to experience “symptoms” such as having blood in their urine that they then suddenly become aware that there may be a problem.
It’s during this “unknown” and “undiagnosed” period of time that an individual’s bladder cancer can progress from a “less serious” stage 0/1 bladder cancer to a more aggressive and “life threatening” stage 2-4.
Now we don’t…
Want to suggest that individuals that have been diagnosed with stage 2-4 bladder cancer don’t have a reasonable prognosis, it’s just that when it comes to qualifying for a traditional term or whole life insurance policy, this “diagnosis” is often going to make it much more difficult if not impossible to qualify.
That said however…
We would recommend that you read our article: Life Insurance with Bladder Cancer, so that you can get a better idea of how the process of applying for life insurance after being diagnosed with bladder cancer will look like as well as learn where certain individuals may be able to qualify for coverage whereas other might not.
- Hodgkin’s Lymphoma and Non-Hodgkin’s Lymphoma.
Both Hodgkin’s and non-Hodgkin’s lymphoma are two different “types” of cancer that affect white blood cells within one’s immune system which are differentiated by the presence of a specific “type” of abnormal cell called a Reed-Sternberg cell.
Patients who are found to have “Reed-Sternberg cells” will be diagnosed with Hodgkin’s lymphoma while those who do not possess this abnormal cell, yet still suffer have lymphoma, will be diagnosed with non-Hodgkin’s lymphoma.
The good news is that…
Non-Hodgkin’s lymphoma is significantly more common that Hodgkin’s lymphoma and has a very high 5-year survival rate which is reflected in the insurance industry’s general “positive” outlook about taking on clients who have been diagnosed with non-Hodgkin’s lymphoma in the past.
Now as for those who…
Have been diagnosed with Hodgkin’s lymphoma, while the 5-year survival rate may not be as high as those who have been diagnosed with non-Hodgkin’s lymphoma, don’t get too “downtrodden” because it to is rather high compared to other “types” of cancer which is why you to may be eligible to qualify for a traditional term or whole life insurance policy after a period of time has passed since you were declared in “remission”.
For more information regarding qualifying for life insurance after being diagnosed with Hodgkin’s or non-Hodgkin’s lymphoma, we would recommend that you give us a call when you have a chance.
Qualifying for a traditional term or whole life insurance policy after you’ve been diagnosed with leukemia can be tough for several reasons. First, it’s a cancer of the bone marrow, which is a vitally important part of one’s immune system which means that in addition being diagnosed with leukemia, it’s quite possible that you may also suffer from a wide variety of conditions spurred on by having a “compromised” immune system.
There are several different types of leukemia one can suffer from which can change to potential outcome of one’s life insurance application.
That being said however…
The long-term prognosis of being diagnosed with leukemia is now pretty high and seems to be increasing each and every year!
As a result…
Life insurance companies have begun to take notice of these increased survival rates which is why “many” life insurance companies will begin to consider applicants who have been diagnosed with leukemia as “potentially eligible” for traditional term and whole life insurance after they’ve been in remission for a minimum of 12 months.
As a general rule of thumb, what you’ll typically find is that the longer you’ve been in remission, the better your chances will be to qualify for coverage and the better your rate will be.
For more information about qualifying for life insurance after being diagnosed with leukemia, we would recommend that you give us a call or visit our article: Life Insurance with Leukemia.
- Colon or Colorectal Cancer.
Clearly being diagnosed with colon or colorectal cancer is going to play a major role in the outcome of your life insurance application, the good news however is that because the “dangers” of developing colon cancer has become widely publicized, many men and woman are now choosing to be tested and screened for this disease early on which is playing a huge role in its early detection and treatment!
As a result…
Many individuals are diagnosing the condition early on, and beating their cancer at a stage will allow them to remain an excellent candidate for a traditional term or whole life insurance policy.
Now will these…
Applicants be able to qualify for a Preferred rate? Probably not, however when considering the fact that the primary goal of any insurance company is to “minimize” risk, just the fact that someone who has been diagnosed with colon cancer may be able to qualify for a “Standard” or “Normal” life insurance rate is pretty impressive.
For more information on how many life insurance companies will underwrite applications from individuals who have been diagnosed with colorectal cancer, we would encourage you to take a look at our article: Life Insurance with Colorectal Cancer.
- Testicular cancer.
Now since it’s never all that much fun to talk about cancer and it’s particularly not much fun to talk about how being diagnosed with cancer will affect your chances at qualifying for a traditional term or whole life insurance policy, we figured we’d end our article on a positive note by discussing testicular cancer!
That may not at first make much sense, when you consider that the survival rate for those suffering from stage 1 testicular cancer is almost 99% and that most life insurance companies will be willing to offer a stage 1 testicular cancer survivors a Preferred rate if they can otherwise qualify, you can see why out of all the cancers discussed in this article, this is by far the “best” one be diagnosed with, in theory!
At this point…
We should probably mention that we here at TermLife2Go REALLY strive to see the POSITIVE in any situation! Which at times can be a bit annoying, but hey, it beats being a “downer” and it beats being someone who isn’t going to be thrilled about helping even the most “challenging” applicant find an insurance policy that they can qualify for.
For more information about qualifying for life insurance with testicular cancer please feel free to check out our article: Life Insurance with Testicular Cancer.
And there you have it!
TermLife2Go’s top 15 types of cancers and how they will be viewed by the life insurance industry. Now have we been able to answer all the possible questions that someone may have about qualifying for life insurance after being diagnosed with a particular cancer?
No way! That would be impossible!
We’ve been able to answer a few of your questions and been able to convey our desire to be more helpful to you in the future. You see, here at TermLife2Go, we have one goal in mind for all of our clients which is to help you find the “best” life insurance policy that you can qualify for.
Will we be able to help everyone?
No, there will simply be some clients that we’re not able to help. But that isn’t going to keep us from trying! So, what are you waiting for? Give us a call today to see what we can do for you!