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Cancer FAQ

What type of cancers do not effect your insurability?
Superficial skin cancers, if treated and cured should not impact you negatively in the life insurance marketplace. Most carriers will still be able to offer standard and sometimes even preferred rates. All other cancers really need to be reviewed based on the specifics of each case.

Will I be able to get coverage a year after treatment for breast cancer?
Usually no, but an independent life insurance agent who works in the special risk market could help you assess the probability of getting an offer. Most companies want to see 2-3 years of clean check-ups after treatment and even then they would most likely make an offer with a flat extra applied for a certain number of years.

Will I be able to get life insurance coverage after being treated for prostate cancer?
Depending on severity and treatment, many people are able to qualify for life insurance coverage a few years after successful treatment of prostate cancer. Usually during the first 5-7 years after treatment there will be a flat extra fee assessed for the coverage. An independent life insurance agent who works in the special risk marketplace can help you find the best offer for coverage based upon your individual circumstances.

Which types of cancer would make me an uninsurable risk?
The most severe and hardest to treat cancers, such as lung cancer, Hodgkins Lymphoma, pancreatic or liver cancers, malignant brain cancers, severe melanomas, and any other cancers that have a bleak survival rate, are all conditions that would render you uninsurable for life insurance coverage. That is not to say that there have not been miraculous recoveries and many medical success stories treating these types of cancers, but all in all, from a life insurance underwriting standpoint, very few of these cases are able to qualify for coverage. Again, an independent life insurance agent who works in the special risk marketplace can help you find the best offer for coverage based upon your individual circumstances.

Click here to contact an independent insurance broker who works in the Special Risk Marketplace.