Breast Cancer and Life Insurance

We get life insurance for breast cancer survivors and current patients. We have several different options available.

One thing we know about people with breast cancer is that they are resilient.  And resiliency is a beautiful thing because we know they are willing to put in the work to get what they want.

If you are a breast cancer survivor and are looking for life insurance then you are going to need a good agent. Not only does your agent need to be good, but they also need to be experienced and have a good reputation of getting breast cancer survivors the life insurance they desire.

Here at Local Life Agents we have the experience you need to get the life insurance you desire and if cancer diagnosis is detected early and treated properly, we can typically get you a decent offer for coverage.

Here is what you need to know and what to do next, follow along with us…

American Cancer Society

According to the American Cancer Society, breast cancer is now the most common form among women. Up to 10 percent of cases are caused by gene mutations passed down from a parent. About 15 percent of those who get breast cancer have a family member that also has it now or did in the past. The remaining 85 percent of women who develop breast cancer have no family history of the disease. Nearly 30 percent of all cancers is women are breast cancers.

More than 2.8 million women in America are breast cancer survivors or are currently battling the disease. Nearly 40,000 American women died of breast cancer in 2013, and most of those women were over the age of 50. One out of every eight women will develop some type of invasive breast cancer in her lifetime. In 2013, approximately 233,000 new cases of invasive and 56,000 new cases of non-invasive breast cancers were diagnosed.

What is Breast Cancer?

Breast cancer begins with the spread of abnormal cells which eventually multiply until they become a tumor or mass. Breasts are comprised of glands, which produce milk, ducts, which transport milk to the nipple, and connective tissues supporting all components of the breast.

Breast tissues undergo changes due to menstrual cycles, hormones, weight gain or loss, and a number of other factors. For this reason, breast tumors may be difficult to detect. Many breast cancers aren’t detected until cancer cells have formed a discernible tumor and causes pain. Mammography does, however, detect most cases of breast cancer in the early stages. Doctors are able to diagnose breast cancer only by biopsy.


Possible outcomes

Best case: Standard for carcinoma in situ after 2-3 years since treatment

Typical case: Unable to consider until 2-3 years after completion of treatment (chemo or radiation), then possible Table rating and/or a flat extra depending on stage and grade

Worst case: Decline

Underwriting Questions

  • When were you first diagnosed with breast cancer?
  • What stage was/is your breast cancer?
  • How was the breast cancer treated?
  • Are you undergoing treatment?
  • Do you have any major health problems other than breast cancer?


Breast cancer survivors

You can get life insurance if you have previously had breast cancer. Individuals in remission do have life insurance options available to them.  Depending upon your individual health status, it may be possible to secure a fully underwritten life insurance policy.

A fully underwritten policy means a policy without limits. It means you will have to go through underwriting. The life insurance review all your medical records, treatment history and you will have completed a free paramend exam.

Once underwriting is completed the life insurance company determine if you medically qualify. They will also assign you a rate class if you do qualify.

Once this underwriting has been completed by the life insurance company and you qualify, then you can lock in how much coverage you want and for how long you want it.

Getting life insurance after breast cancer is very possible with the right agent.

If I can qualify medically, what are my options?

Term Life Insurance

You can get term life insurance with a history of breast cancer if you can pass underwriting. Term life insurance is the most affordable life insurance option, but it also does not last forever. Term life insurance will only cover you for a certain length of time, for example, 10, 20, or 30 years.

Permanent Life Insurance

Budget permitting, permanent insurance is the best policy for any survivor of breast cancer. A permanent policy offers rates that are level and you will have full death benefits for life.

Monthly premium payments can build up cash value in some permanent policies. It also allows you to withdrawal and spend a portion of the death benefit if you become terminally ill. Permanent insurance policies never expire, no matter what your health status or age.

Breast cancer patient

Can you get life insurance after a breast cancer diagnosis?

You can, but you will only be able to get up to $25,000 in whole life coverage.  There will also be a waiting period in most cases before a death benefit would payout.  These are called graded death benefit plans and/or Guaranteed issue policies.

You can see more about our guaranteed issue carriers, issue ages, and products here.


A graded plan will not pay full death benefits until after the second year in the policy. It will return back premiums paid in, plus interest if the insured does not live past the two-year waiting period.

Get a Quote

With our questionnaire, we can give you a more accurate picture of what will be the eventual outcome from underwriting, and allow you to get a realistic quote and set realistic expectations.

This questionnaire is specific to breast cancer only and needs to be filled out with as much accuracy as possible. If you don’t know the answer to questions you should contact your doctor to get the answer before you submit this to us.

You will also want to get a copy of your pathology and surgical reports and have them accessible by fax or email.

Fill out the questionnaire below and one of our agents will personally contact you to go over options.

This is where you get covered.

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