Term life insurance for people with cancer is hard to get and you are unlikely to be covered unless you are in remission.

Can i get term life insurance if i have cancer. Most term and whole life insurance policies are not available to cancer patients and youll be rejected if you apply for coverage. If the skin cancer has spread and has been treated with chemotherapy andor radiation treatment then you may have to be cancer free for as long as 10 years before you can be approved for a life insurance policy. Former cancer patients arent uninsurable but applying for disability insurance with a pre-existing condition can mean that youll have higher premiums.

Most insurance companies will require cancer to be in remission. There are usually exceptions for non-melanoma skin cancers like basal cell carcinoma and squamous cell carcinoma. If you have prostate cancer securing the life insurance you need to protect your family may be more challenging but it is not an impossible task.

You need to check your existing policy if you are diagnosed with cancer. They might be able to find an insurer that can offer life insurance for cancer survivors which excludes the cancer you had. Insurance is really a way of betting against a particular thing happening.

Theres a good chance you are eligible. The underwriting processes insurance companies employ to evaluate the individual circumstances of their clients reflect improvements in the survivability rates of diseases like prostate cancer. If you are currently undergoing treatment for cancer or if you have had a cancer diagnosis within the last two to four years you will not be able to purchase a traditional term or whole life insurance policy and will have to purchase a more expensive final expense policy.

The good news though is that you could buy a guaranteed acceptance life insurance policy. It will depend upon your personal circumstances the company that you apply to the type of cancer you had and the time that has passed since you went into remission. Can you cash out term life insurance.

You can get life insurance with a pre-existing condition. As with life insurance when you initially submit your disability application your quotes may seem very high due to your history of cancer. Life insurance comes in various types.