You need to check your existing policy if you are diagnosed with cancer.

Can a person get life insurance if they have cancer. Then if it does happen you or your family get money to help cover the costs. This is because your health is uncertain and youre deemed risky in the eyes of the insurer. Your ability to buy life insurance may depend on the type of cancer you have the stage and grade of your cancer and possibly the treatment plan.

If you already have a policy a death from cancer is covered by all standard types of life insurance along with other diseases illnesses and accidents. You can get life insurance with a pre-existing condition. In fact certain types of cancer such as low grade skin cancer are considered very low risk by some life insurance companies.

Life insurance policies with an exclusion for cancer-related claims are rare. Most term and whole life insurance policies are not available to cancer patients and youll be rejected if you apply for coverage. Most insurance companies will require cancer to be in remission.

If youve been diagnosed with cancer in the last two to four years or youre currently undergoing treatment you typically wont be able to access a traditional term or whole life policy. If you have had or are living with cancer and you want to buy life insurance you will usually be offered a higher premium than average. On finding out about their cancer diagnosis most people tend to look back at their lives to try to determine if they could have done things differently.

Many companies want 10 years because the recurrence rate can be high with many types of cancer. An unwritten rule for cancer survivors is there needs to be a minimum of 5 years between the last treatment and the application for life insurance. There are life insurance policies available specifically if you are cancer survivor.

Or make sure that a new policy suits your needs. Or you may be refused cover altogether. Which would be required and to what degree will depend upon the specific insurance company and your individual circumstances.