If your cancer has been successfully treated, and you are in good health, you can probably obtain a cancer life insurance policy. In fact, insurers may compete for your business.
To ensure that medical underwriters have the most complete picture of you, your health, and your cancer history, get all your medical records before you apply. This will reduce delays in your application process, because your life insurer is going to request them and will wait for them.
Make sure you have complied with your doctor's treatment plans. For example, if your doctor asked to see you back in one year and you haven't been back in four years, get to your doctor for your check-up before you apply for life insurance.
Get prices from several companies. Life insurance policy costs vary a great deal among companies.
Consider a "graded" policy (one with limited benefits) if you cannot get full death benefits. In the first few years of a graded policy, the company pays only the premiums and part of the face value if the insured person dies of a condition, such as cancer, that existed before the policy took effect. If the insured person dies after the specified grading-in period, the company will pay the full face amount of the policy.





