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Qualifying for Life Insurance after Cervical Cancer

Researcher & Writer
September 06, 2017

In this article, we want to discuss what life insurance options will be available to someone who has been diagnosed with cervical cancer.  To do this, it’s important to understand that we’re first going to need to divide folks into two groups:

  • Those that are currently treating their cervical cancer,
  • And those who have beaten their cancer and are now in remission.

Now we do this…

Because as a general “rule of thumb”, if you’re currently being treated for cancer (excluding some skin cancers), it’s pretty safe to say that you’re not going to be able to qualify for a traditional term or whole life insurance policy right now!

But this doesn’t mean…

That your diagnosis is going to keep you from being able to purchase a traditional term or whole life insurance policy forever, it just means that the insurance companies are going to want to see that you have made a full recovery before they will be willing to take on that type of risk!

Which means that…

If you’ve recently been diagnosed with cervical cancer, and you need to purchase some life insurance coverage ASAP, you’re going to need to pursue an “alternative” life insurance policy.  One that won’t ask you any medical questions or require you to take a medical exam.

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The good news is that…

These types of life insurance policies do exist, they’re called guaranteed acceptance life insurance policies.  But before we start discussing what guaranteed issue life insurance policies are, let’s back up and start from the beginning by describing:

  • Exactly what cervical cancer is,
  • Why life insurance companies are going to care about it,
  • And what it will mean with regards to your life insurance application.

Cervical Cancer: What is it and Who is at Risk?

Cervical cancer is cancer of the cervix. Fortunately, this is a rare type of cancer which only has about 12,000 new diagnoses a year – but if you’re one of those individuals who does develop cervical cancer, the fact that it’s not all that common really doesn’t make much of a difference now does it!

We only mention it…

Because you should know that because it is relatively uncommon, many life insurance agents many not have a “ton” of experience helping individuals who have been diagnosed with cervical cancer.  Which is why you’ll need to be careful about which life insurance agent you ultimately choose before deciding to apply for coverage.

Causes of Cervical Cancer.

Recent research has shown that “most” patients with cervical cancer were at risk of developing cervical cancer due to their contraction of HPV – human papillomavirus. Now, there are still cases of cervical cancer wherein the patient did not have HPV, but those are not as common.

Does this mean every person with HPV will get cervical cancer?

No, in fact most will not. There are many, many strands of HPV and only a few known to cause cancer. Even if you do get that strand of HPV doesn’t mean you’ll get cervical cancer. Many times, the body’s own immunity will fight HPV and it will be gone within two years.

At this point…

We like to remind our readers that we here at TermLife2Go are not medical professionals, nor are we doctors.  All we are is a bunch of life insurance agents who just happen to be really good at helping folks with pre-existing medical conditions like cervical cancer find a life insurance policy that they can qualify for.


If you’re looking to have any specific medical questions answered you’ve come to the wrong place!  But you you’re just looking for help qualifying for a life insurance policy that will protect you and your family, well then, keep on reading!

Qualifying for Life Insurance with Cervical Cancer.

Stages of Cervical Cancer.

Like all cancers, cervical cancer has different stages. The lower the number, the less invasive the cancer has become – and the easier it is to make a full recovery. Early detection is your best bet at survival and long-term health.

Stage Zero Cervical Cancer

This is when there are some abnormal/cancerous cells (usually detected in a PAP smear) but nothing big and no evidence of a tumor. The cancerous cells are confined to the lining.

Qualifying for Life Insurance with Stage Zero Cervical Cancer:

Individuals diagnosed with stage Zero cervical cancer will generally qualify for a traditional term and whole life insurance after stage zero cervical cancer.

Now, if you’ve had your carcinoma surgically treated you can “theoretically” qualify for a Standard rate when it comes to applying for traditional term life insurance or whole life insurance policy.  Which is great!

It’s great…

Because let’s face it, most people aren’t going to be able to qualify for a Preferred or a Preferred Plus rate anyways so if you can qualify for a Standard rate after being diagnosed with cancer, that’s awesome!

But remember…

The insurance companies are going to want to see that your Stage Zero cancer has been treated and removed.  If not, the best that you may be able to qualify for is a Table D rating.

What’s a table rating?

A Table Rating is a life insurance rate is a life insurance rate that falls below a Standard rate.  In total, there are 10 different “Table Rates” one can qualify for ranging from Table A (the best and least expensive Table Rate) to Table J (the worst and most expensive Table Rate).

Now if you know that you’re only going to be able to qualify for a Table Rate the key then becomes finding the life insurance company that will not only approve you at the “best” Table Rate, but also one that has the “best” Table Rate pricing!

Stage One Cervical Cancer.

This is a more advanced stage of cancer. As the cancer progresses, it could “potentially” form a tumor. However, if you “catch” your cervical cancer at stage one, you’re very lucky because at this stage, the survival rate is still very high which is reflected in the life insurance industry’s willingness to approve coverage for those who have survived stage one cervical cancer.

Qualifying for Life Insurance with Stage One Cervical Cancer:

In “theory” you should be able to qualify for a traditional term or whole life insurance policy after surviving from stage one cervical cancer.

Types of Stage one, tumor vs localized.

If you had a tumor: You can qualify for a Table D rate.

If you have localized stage one: you can qualify for a Table C rate.

Qualifying for Life Insurance with Stage Two, Three or Four Cervical Cancer.

The more advanced the cancer, the more likely it is that the cancer could come back.  Which is why, most (if not all) life insurance companies are going to deny coverage to anyone applying for a traditional term or whole life insurance policy if they have been diagnosed with Stage 2 or higher cervical cancer.

That being said…
There are some exceptions, especially in stage two. But these are very personalized and will differ from one life insurance company to the next.
This is why…

Throughout this article, we’ve used terms like:

  • Generally,
  • Theoretically,
  • Usually,

Now we don’t use these “terms” to avoid answering any questions, we use them to avoid answering any questions incorrectly or giving you the wrong impression about how an insurance company will “view” your life insurance application.

You see…

When it comes time to helping someone who has been diagnosed with a pre-existing condition like cervical cancer, because there are so many variables that can come into play, often the “best” way to determine who an insurance company will “view” an application is to first submit a “preliminary” application to the insurance company and see what they have to say.

Preliminary life insurance applications…

Are not “official” applications and allow applicants to get a general idea if they will be eligible for coverage without having to “fully” apply and complete a medical exam and turn over medical records.

What if I’m denied?

If you are declined a life insurance policy, you are not totally out of luck!

One More Option: Guaranteed Issue Life Insurance for Cervical Cancer Patients

If you have had or currently have cervical cancer you can get guaranteed issue life insurance. This is a sure bet! You will be able to get this no matter what. Keep in mind:

  • the payout is not as much (usually less than $20k)
  • this works on a graded death benefit (usually for the first two or three years)
  • it’s pricier dollar per dollar than more traditional types of life insurance coverage

However, if it’s your only option, guaranteed issue life insurance is a great way to help you family pay for you last expenses.  To qualify for these “types” of life insurance policies you’ll simply need to:

  • Be a US citizen,
  • Live in a state where guaranteed issue life insurance policies are offered,
  • And meet the minimum age requirements.

To find the best life insurance policy and company for your family and your needs, call the experts. We’ll help you find the insurance policy that’s best for you and your situation after or with cervical cancer.

So, what are you waiting for?  Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!

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We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.