Typically insurance companies are hesitant to insure individuals who have recently recovered from cancer fearing that the cancerous tumor may return.

Is it possible to get life insurance after cancer. The first thing that you should know is yes you can get quality and affordable life insurance with cancer. It depends on the severity of your cancer and your medical outlook. You can get life insurance with a pre-existing condition.

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. Most insurance companies will require cancer to be in remission. 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.

The good news is you will probably still be able to get life insurance. Long-term care insurance can protect your retirement and your family in your later years. Today many life insurance companies will look at a variety of factors when considering an application from a breast cancer survivor.

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. You will most likely pay higher premiums as the risk of you claiming is higher. By law you must disclose any known information about your health that may be relevant to the insurance companys decision on whether or not to provide you with cover.

With most cancers life insurance companies are unlikely to issue a policy for at least 2 to 3 years after youve recovered from that 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. If it were malignant the insurer would defer cover for a further postponement period 2-5 years depending on the stage of the tumour.

Some insurance companies will cover you if you have been given the all-clear and have been for a set period of time. Or you may be refused cover altogether. If youve ever been told that you would be declined or youve been declined for coverage in the past our focus will be to find a company that deems you insurable.