Life Insurance With Cancer

If you’re a cancer survivor, trying to obtain life insurance can be very intimidating. It doesn’t have to be though, as long as you know how to address the issue with the insurance companies.

We recommend looking through our archive of articles below, to help you learn more about the different options you have for life insurance as a cancer survivor.

Qualifying for Life Insurance with Basal Cell Carcinoma, Squamous Cell Carcinoma, or Melanoma – If you have or have had any of the above types of cancer, this article will help you to figure out exactly how to proceed.

Affordable Life Insurance Rates For Breast Cancer Survivors – Breast cancer is one of the most common types of cancer and also has one of the highest rates of survival. Because of this, affordable rates for breast cancer survivors are still a reality.

Life Insurance With A Family History of Cancer – Many people don’t have cancer, but have a family history of cancer, which can also affect life insurance rates. We have included more information about how to address this in this article.

Life Insurance Rates With Prostate Cancer History or High PSAs – Prostate cancer is very common and usually easily treated these days. Prostate cancer survivors are still very eligible for great rates, as long as you follow the advice we’ve given in this article.

Life Insurance With Bladder Cancer History – What To Expect – Bladder cancer has a few unique things about it when it comes time to get insured, but affordable rates are still available. Find out how here.

Life Insurance With Colon Cancer – Colon cancer can be very serious, but it doesn’t mean you’ll never be able to get a fair priced policy. Find out how you can get yourself an affordable policy even if you’ve had colon cancer in the past.

Affordable Life Insurance With Testicular Cancer – Testicular cancer can be scary enough without having to think about how you’ll get approved for life insurance. Find out how you can still get an affordable premium, despite having had testicular cancer.

Life Insurance With Cancer

If you have cancer, or have had cancer in the past and are currently in remission, then trying to obtain life insurance can be a scary proposition. Many cancer survivors believe it is impossible for them to ever be able to get approved for life insurance benefits with premiums they can actually afford. The good news though, is that there are many companies out there who are more than willing to work with you. You will of course have to answer some questions about your health, but that goes for any type of life insurance, regardless of whether or not you had cancer.

The underwriting process for a cancer survivor will be much more involved than for an average person, but don’t let that scare you off. It is actually during the underwriting process that you can convince the insurer to give you coverage at an affordable rate.

Of course, one of the most obvious questions is going to be which type of cancer you had. More common and easy to treat types of cancer, like breast cancer or skin cancer won’t affect your premiums as much as a more serious type, like brain cancer would. For example, if you had skin cancer, it was detected early, you underwent treatment and the cancer hasn’t returned in years, you might not notice any difference in your rates at all.

Another question you’ll be asked, is whether or not the cancer had any drastic effect on any other medical issues. Sometimes cancer can cause complications for other issues, and if that’s the case, getting an affordable premium will be much more difficult. If you haven’t had any other complications and have already been in remission for years though, then you will see much more favorable treatment from the insurers.

There is no one specific company that we recommend over any others for former cancer patients, but we do recommend knowing what you’ve got ahead of you before beginning the underwriting process. This includes knowing the types of questions you’ll be asked, and how to answer to them.

There are ways in which you can answer their questions about your medical condition and your diagnosis, that won’t necessarily cause your rates to spike. This doesn’t mean you should lie to the underwriters, but if you can answer their questions truthfully, and in a way that won’t cause your rates to spike, that is of course preferable.

Most people don’t know how to do this on their own, which is why we recommend contacting one of our agents directly to talk about your options. Our agents can go through this underwriting process with you, and help you to answer the questions in the right way. They can then take your answers and shop around for quotes for you. The results is you get many different options to choose from, all of them at rates that are lower than you are likely to be able to obtain on your own.

If the underwriting process alone is making you nervous, we suggest contacting us today, so we can help you get the best rates possible.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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