Can you get life insurance if you have cancer.

How to get life insurance if you have cancer. Getting life insurance after a cancer diagnosis. Should you have a more serious kind of cancer you might not be able to get regular whole or term life insurance. Premium Waiver On Disability.

If your cancer is in remission but youre undergoing more than one surveillance appointment per year you may still be considered a patient in active treatment. Unfortunately getting approved for life insurance is strictly up to the insurance company you apply to. If someone dies due to cancer during the coverage period the policy will pay the death benefit to the named beneficiaries.

Many companies want 10 years because the recurrence rate can be high with many types of cancer. Ad Comprehensive Hospitalization Coverage Without Any Sub-Limits. 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.

Once your cancer has been cured most life insurance companies will approve any policy with limited restrictions. Its guaranteed and its yours. 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 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. Ad Looking For Insurance And Investment Together. When you complete an application for life insurance after having cancer youll be required to answer Yes to a previous medical condition and extensive underwriting reviews could now be in order.

Have A Look At Our Policies And Get One Customised For Your Personal Needs. Both term and permanent life insurance policies typically cover cancer. They only pay a benefit if you die from an accidental cause.