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.

Can u get life insurance if u have cancer. If you have cancer that typically has a strong survival rate your insurer might be willing to offer coverage. Getting life insurance after a cancer diagnosis. When getting life insurance after a skin cancer diagnosis you may be surprised that you are able to purchase any kind of coverage.

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. After surviving cancer there are 4 key factors which will. If the cancer has been removed through surgery and you have been cancer free for one or two years you may be eligible for a life insurance policy.

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. If you are unsure what insurance is attached to your policy you should consider getting independent financial advice. There are usually exceptions for non-melanoma skin cancers like basal cell.

Life insurance policies with an exclusion for cancer-related claims are rare. You need to check your existing policy if you are diagnosed with cancer. Or make sure that a new policy suits your needs.

It may be possible to get policies in the standard class. 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. You May Be Denied Coverage.

Whether you have cancer or another pre-existing condition getting life insurance likely will be more difficult and include higher premiums. While it might be more challenging to get a policy individually you may be able to get life insurance through your employer if your company offers a group life insurance plan. If you have had basal cell or squamous cell skin cancer you may even still qualify for a preferred rating which gives policy holders a discount.