Since 1969 we have been helping cancer survivors find the best cancer life insurance rates and products available.
Our service is free and we have access to more life insurance companies than any life insurance agencies, brokers or websites.
Click the link above to get an accurate life insurance for cancer survivors quote or just use the instant quotes tool to the right to see some of the 121+ different insurance companies we can offer you.
We can beat any offer you’ve been given by any agent, broker or website because of our unique process and because we can easily shop your medical records to underwriters at every insurance company.
Info Required for Accurate Cancer Survivor Quote
If you want life insurance and you are a cancer survivor, there are 4 important things that need to be known to determine if you are insurable and what cancer life insurance rate you can expect to pay:
1) What type of cancer you had and the date you were diagnosed? If you’ve had Prostate Cancer or Breast Cancer and you need life insurance, you may be insurable right after treatment has ended or in the first 6 to 12 months after treatment for low stage cancers. Leukemia, Cancer of Lymph Nodes and higher stage cancers can cause you to be postponed or declined for 5 to 10 years and sometimes longer since treatment has ended.
2) What were the Stage and/or Grade of your cancer? With a copy of your pathology report and answers to a few questions, we can give you estimates on what insurance may cost for you based on your cancer history. At the very least, we will need to know the exact stage of your cancer including the T, N, M categories to get any accurate insurance estimates.
3) The exact date that all treatments ended. The last day of treatment for cancer is when the waiting period for life insurance starts. So if you’ve had surgical removal of any cancer and chemo and radiation, just remember that the last day of ALL cancer treatments is what life insurance companies are interested in. We’ve had some cases where people qualified for insurance only 6 months or sooner after treatment has ended, like for small In Situ Melanomas, but these are the exceptions.
4) Have all cancer follow ups been completely normal with no signs of recurrence? if you have had any cancer and you want life insurance, you must have had regular check ups following your cancer that have all been completely normal to qualify for coverage. Any abnormalities will most likely cause you to be postponed or declined.
What is Best Life Insurance Rate Class for Cancer Survivors
If you have had a past cancer of any kind, Standard or Regular rates are usually going to be the best case rates for which you’ll.
For some types of cancer, like lung or pancreatic cancer, you may not be able to qualify at all or you may be charged an extra premium for a certain number of years after treatment has ended….
This is called a “flat extra” premium and it could be added to your policy for any # of years, i.e. 1 year, 5 years, 10 years, etc.
The cost of the flat extra will be determined based on the type and stage of your cancer, how long it’s been since treatment has ended and you’ve been in remission.
After the flat extra period is over, the rate you pay will be reduced.
There are some very aggressive cancer life insurance companies that will offer preferred plus or preferred rates to some low stage cancer’s including in situ colon cancer, kidney cancer, melanoma, prostate cancer, thyroid cancer, testicular cancer, uterine cancer and cervical cancer.
Getting any preferred life insurance rate after having cancer is rare, but is possible……especially if you’ve been in remission for more than 10 years!!
What Life Insurance Companies are Best for Cancer Survivors
All cancer cases do need to be “shopped” thoroughly since underwriting guidelines can and do change…..
In other words, the companies that were most aggressive for certain types of cancer 6 months ago, may no longer be now.
Some of the insurance companies that have been aggressive for some cancer survivors are Banner Life, John Hancock, Lincoln National, Met life (now Brighthouse Financial), North American Company for Life & Health, Protective Life, Prudential and Transamerica.
While there are too many variables involved to state which specific company or companies may be best for you, there are some insurance companies that only (currently) question whether or not you have been treated for cancer over the previous 10 years.
If you’ve been in remission for more than 10 years, then one of these companies may be your best option to qualify for a preferred plus or preferred rate……
These companies whose medical questionnaire only asks about cancer in past 10 years are Assurity Life, John Hancock, Life of Southwest, Mass Mutual, North American Company for Life & Health, Penn Mutual, Principal Life, Sagicor Life and Symetra Life.
The medical questions can also change at anytime and can vary depending on your State of residence.
Bottom Line on Getting Life Insurance After Cancer
The lower the stage and the longer it’s been since your treatment ended, the better the offers can be….
Call us at 1-800-380-3533, email us or just request a quote using the accurate cancer life quote link directly above and we’ll do our best to get you the best life insurance rate possible with regard to your specific cancer history.
Using the the accurate quote link above is the best place to start to get an accurate quote….
Using the instant quoting tool on the right hand side of this page, you can see instant quotes from some of the insurance companies we can offer you.
We will at least need to know the exact type and stage of your cancer and how long it’s been in remission to provide you with accurate quotes.
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