Compare life insurance after cancer

Get life insurance even if you've been diagnosed or treated for cancer

Compare quotes for life insurance after cancer policies so you can take control of your future and put protection in place for those you love.

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*Based on £100,000 of level-term cover for 25 years for a 30-year-old non-smoking male with no pre-existing medical conditions (March 2024)
Fact checker
Last updated
December 3rd, 2023

What is life insurance after cancer?

A life insurance after cancer policy is designed to provide cover for individuals who have previously been diagnosed and treated for cancer. 

This cover aims to protect your loved ones financially in the event of your passing, ensuring they’re provided for when you’re no longer around. 

While it may be more challenging to obtain life insurance after cancer compared to someone with no history of cancer, it is still possible. There are plenty of insurers offering specific policies tailored to meet the needs of cancer survivors.

Can anyone get life insurance after cancer?

Yes, it is possible to obtain life insurance after cancer, but eligibility and the availability of coverage may vary based on individual circumstances.

Insurance providers assess applicants on a case-by-case basis, considering factors such as the type of cancer, its stage, the time since treatment, and overall health condition.

Some cancer survivors may be able to secure standard life insurance policies, while others might qualify for specialised plans, such as guaranteed life insurance or graded benefit policies.

How to get the best life insurance after cancer policy?

You can choose from a wide variety of life insurance policies, with an array of options to fit your personal needs. To find the life insurance policy that suits you best, think about the following:

Gather your medical records

Before applying for life insurance after cancer, collect all your medical records, including details about the cancer diagnosis, treatment, and follow-up care. Having comprehensive and accurate information will help speed up the application process and provide insurers with the necessary data.

Work with a broker

Consider using an insurance broker who specialises in working with cancer survivors. They can help you navigate the complexities of the insurance market, find the best policies suited to your needs, and negotiate on your behalf to secure the most favourable rates.

Understand different policy options

Familiarise yourself with the various life insurance options available for cancer survivors. This includes term life insurance, whole life insurance, guaranteed acceptance policies, and graded-benefit policies. Each type of policy has its pros and cons, so understanding them will allow you to make an informed decision.

Compare quotes

Obtain quotes from multiple insurance providers and compare their policy terms, exclusions, and premium rates. Choose one that strikes the right balance between your needs and affordability.

What questions will I have to answer to get life insurance after cancer?

When applying for life insurance after cancer, you’ll likely be asked several questions to assess your risk and determine your premium rates. Common questions include:

  • What type of cancer were you diagnosed with?

  • When were you diagnosed, and what stage was the cancer?

  • What was the treatment protocol, and when did it end?

  • Have there been any cancer recurrences or complications?

  • What other medical conditions do you have, if any?

  • Are you currently taking any medication?

  • Have you made lifestyle changes to improve your health?

What if I already have life insurance?

If you bought life insurance before being diagnosed with cancer, it’s essential to review your existing policy

Some policies may offer cover even after a cancer diagnosis, while others may have specific exclusions related to specific conditions. Contact your insurance provider to understand how your cancer diagnosis impacts your current coverage and whether there are any limitations or modifications to the policy terms.

In some cases, you may need to add additional coverage or explore supplemental insurance options to ensure adequate protection for your loved ones.

Working with knowledgeable professionals and understanding your options will increase your chances of finding the right policy. This will be one that suits your needs and provides financial security for your family.

Obtaining life insurance after cancer may require some effort, but it is possible."


Can I get life insurance if I have survived cancer?

You may find it harder to get cover, but several insurers will offer cover for you and your family.

Do any insurers specialise in life insurance for cancer survivors?

Some insurers offer specialist insurance policies to people who’ve had a cancer diagnosis.

How much does life insurance cost?

The price is based on your age, how much cover you want, your policy term and your medical history. It’s best to shop around to ensure you don’t pay more than necessary for the cover you want.

Discover ways to reduce the cost of your life insurance

Is it guaranteed to pay out?

Not always. It only pays out if the cause of your death is covered, you die during the policy term and you were honest about your medical history. 

Discover how life insurance works

Can I have more than one life insurance policy?

Yes, you can have more than one life insurance policy. However, a single policy offering the exact cover you need may prove cheaper.

Does a family history of cancer impact a life insurance application?

A family history of cancer can impact the cost of your life insurance premium. Certain cancers such as bowel, breast and ovarian can be inherited, which will impact your insurance cost.

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About the author

Salman Haqqi
Salman Haqqi spent over a decade as a journalist reporting in several countries around the world. Now as a personal finance expert, he helps people make informed financial decisions.

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