Cancer

Home > High Risk Information > Cancer

As a result, insurance companies generally will not consider life insurance for individuals with current cancer. In fact, until treatment has been completed, most insurance companies will postpone acceptance of an application. See an alternative below at guarantee issue life insurance.

Further, companies will not accept an application if surgery or treatment is within a specific time frame or is incomplete and that varies by type of cancer. An exception is basal cell carcinoma, insitu, where insurance can be immediately available. Guidelines follow as to the approximate waiting period after completion of treatment:

Type Cancer	Yrs. Prior
Bladder Cancer	2
Bone Cancer	5
Breast Cancer	2
Cervix	1
Cervix Cancer (InSitu)	0
Colon	2
Eshphagus	3
Kidney	3
Larynx	1
Leukemia	10
Lung Cancer	3
Lymphoma	2
Metastatic Cancer	5
Cancer of the Ovary	3
Partoid	2
Pancreas Cancer	2
Prostate	1
Rectum	2
Salivary	2
Skin Melanoma	1
Testis Cancer	1

Note: Cancers outside those noted may be declined depending on the pathological details. Call with history, stage and treatment for phone quote: 800.778.2001

Best Class:
Accurate classification is not possible without a review of medical records. Some conditions are not currently insurable. And, there is a range of probable classifications and premiums for most histories. For example, if significant time has passed since the cancer treatment, e.g., 5-10 years, a regular or standard classification and premium may be available.

Important:
When individuals have health issues that make them uninsurable, the only policies available may be those without health questions called "guarantee issue life insurance" (click for more information).

Get A Quote:
Click Personalized Quote to shop companies.

Action:
Complete the Personalized Quote to begin the process to find the companies with the most liberal acceptance guidelines and lowest premiums for your status. If we cannot quote online, we will respond by email with the probable underwriting action and premium range within two business days.

Need Help?
Make a no-obligation call to our quote desk to clarify your status before proceeding with the Personalized Quote or e-mail your question to us at info@choicequote.com

To speak with a licensed professional,

1-888-SEE-TERM

1-888.733.8376
(Toll Free) 8 a.m. to 6 p.m.
Eastern time, Monday through Friday