Can You Get Life Insurance Coverage After Getting Cancer?

Here is the short answer: Yes, you do have a chance of getting life insurance. The likelyhood of obtaining life insurance after having cancer depends on the details of your specific case. Factors that come into play include the type of cancer, treatment that you received, number of years since treatment, and your current health.

For many years, life insurance was out of reach for survivors of cancer because insurance companies tended to focus more on averages than the case of the individual. Fortunately, insurance companies today are more likely to focus on the individual case of the person applying before coming to a decision. This means that more and more cancer survivors are obtaining life insurance coverage everyday.

Even though there is a good chance you will be able to obtain life insurance, I wouldn't get my hopes up about obtaining outstanding rates. Because insurers set your rates based on risk, you will not fall into the same category as someone who has never had cancer before. Good news is on the horizon though. With medical advances in technology everyday, the day is near when cancer survivors will be eligible for lower rates.

So here is what to do now. Shop around and gather as many quotes as you can. I recommend that you use an online quoting service for this. By using these services, you save time by only having to fill out one form to get quotes from all the insurance companies as opposed to going to each and every insurer having to give your information every time. By using this shopping method, you are also likely to get more competitive rates. The reason for this is by using a quoting service, the insurance companies know that you are comparison shopping and this forces them to try a little harder to give you a lower rate and edge out the competition.
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