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Life insurance approval for CANCER survivors…Made Simple!

Life insurance with cancerFinding coverage with a history of cancer is no easy feat. However, you can greatly increase your chances of qualifying for high risk life insurance by applying with the best life insurance companies for cancer survivors. Give us a call today to see what we can do for you!

Life Insurance and Cancer

If you are seeking out life insurance and have or have had cancer then you need to read this. Three important questions you need to ask are:

1 Can I get life insurance with a history of cancer?

2 What will life insurance after cancer cost?

3 What is the process of obtaining life insurance with a history of cancer?

Let’s begin with a brief overview

Cancer is a class of diseases distinguished by uncontrolled abnormal cell growth. Cancer cells can also invade (grow into) other tissues, something that normal cells cannot do. The out of control growth and the invasion of other tissues is what make a cell a cancer cell.

Cells become cancer cells because of deoxyribonucleic acid (DNA) damage. DNA is in every cell and it directs all the cell’s actions. In a normal cell, when DNA gets damaged the cell either repairs the damage or the cell dies. In cancer cells, the damaged DNA is not repaired, and the cell doesn’t die like it should. Instead, the cell goes on making new cells that the body doesn’t need. These new cells all have the same abnormal DNA as the first cell does.

People can inherit abnormal DNA, but most DNA damage is caused by mistakes that happen while the normal cell is reproducing or by something in the environment. Sometimes the cause of the DNA damage may be something obvious like cigarette smoking or sun exposure. But it’s rare to know exactly what caused any one person’s cancer.

In most cases, the cancer cells form a tumor. Some cancers, like leukemia, rarely form tumors. Instead, these cancer cells involve the blood and blood-forming organs and circulate through other tissues where they grow. See Cancer.org

Although there are other types of cancers, the most common forms of cancer are: Skin , lung, prostate, breast, colon, kidney, bladder, non-Hodgkin’s, thyroid, and endometrial cancer.

Can I get life insurance if I have or have had cancer?

The quick answer is, YES.

Ultimately, approval will depend on several factors. Each form of cancer has its own unique features. The survival rate for one cancer can be much higher than for another. With some forms of cancer you will need to wait two years, while other forms will require over ten years from the last date of treatment before a company will consider you for life insurance.

If you currently have cancer, or if your cancer metastasized, then you may want to consider a burial life insurance policy from the best burial insurance and final expense insurance companies, where there is no exam and no health questions.

What is the cost?

There are 16 different rate classes. The rate class you qualify for and the type of life insurance policy you choose, will determine what your cost for life insurance will be. Once again, the rate class a carrier will offer you will largely depend on the type of cancer you had and how long it has been since your last treatment.

What is the process?

A cancer survivor looking for life insurance will either need to choose between a guaranteed issue, a simplified issue or a fully underwritten life insurance policy.

A fully underwritten life insurance policy requires a life insurance medical exam. The examiner typically comes to your home and checks your height and weight and takes a small blood and urine sample. Your lab results are then processed. The carrier will request physician statements and look into your medical records. The carrier will also do a prescription database check to see what medications you are currently taking and have taken in the past. An underwriter will then assess your “risk” level and give you a rate class assigned to your specific risk. Your assigned agent at TermLife2Go will then follow up with you and let you know of your approval.

The entire process is handled by us so you can just sit back and wait for the life insurance carrier to complete your file. Speaking of life insurance carriers, not all life insurance carriers are the same when it comes to underwriting cancer survivors!

Not all life insurance carriers are the same

The life insurance industry is just like every other industry out there.  Competition is constantly driving insurance carriers to compete for your business.  As a result, carriers take on “niches” in an effort to earn market share. It is important to know these niches and it is important the agency you chose has the freedom to choose from multiple life insurance carriers.


By working directly with TermLife2Go you will have an assigned agent dedicated to your application.  This agent will be available to you throughout the entire application process; he or she will provide you with status updates as your application goes through underwriting and will also review your application at time of approval to ensure that you are still getting the best deal out there!

So what are you waiting for?  Just give us a call at (866)760-8740 to see just what we can do for you!

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