There are still life insurance options for advanced typically Stage 3 and Stage 4 cancer cases.

Can you still buy life insurance if you have cancer. Life Insurance After Cancer If youve been diagnosed with cancer in the past even if youre in remission getting life insurance as a cancer survivor is more difficult but still possible. Cancer survivors can purchase life insurance from any company but keep in mind that you will still pay an above-average premium because cancer is considered to be a pre-existing condition. 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.

Should you have a more serious kind of cancer you might not be able to get regular whole or term life insurance. Cancer survivors whove been in remission of some years are generally more likely to qualify for life cover as opposed to current cancer patients. Former cancer patients arent uninsurable but applying for disability insurance with a pre-existing condition can mean that youll have higher premiums.

If you have a need for life insurance and have been diagnosed with any kind of cancer you can still purchase a policy. Whether or not you can get life insurance. As with life insurance when you initially submit your disability application your quotes may seem very high due to your history of cancer.

What you need to know if buying life insurance as a cancer survivor Over 88 of the women diagnosed with breast cancer will survive in remission for at least five years and 85 of men diagnosed with prostate cancer will also survive for at least five years past remission. But how much your premiums cost and what policies youre eligible for will depend on your medical history. The terms of the cover.

Can I get life insurance if Ive had cancer in the past. Life insurance policies with an exclusion for cancer-related claims are rare. Whether you have cancer or another pre-existing condition getting life insurance likely will be more difficult and include higher premiums.

Or you may be refused cover altogether. In fact you likely wont be able to get a traditional life insurance policy if youve just been diagnosed with cancer or are receiving treatment he says. There are usually exceptions for non-melanoma skin cancers like basal cell carcinoma and squamous cell carcinoma.