Guide to Life Insurance After Cervical Cancer

According to the American Cancer Society, 12,360 new cases of invasive cervical cancer are diagnosed every year. A little over 4,000 women die annually due to this disease. Non-invasive cervical cancer is estimated to occur four times more than invasive cervical cancers.

Once one of the most common killers of women in the USA, between 1955 and 1992, death rates from cervical cancer dropped by almost 70 percent. The increased prevalence of the routine Pap Smear Test is believed to be the main factor in saving so many lives. When caught early, cervical cancer is highly treatable.

Most cases of cervical cancer are diagnosed in women under the age of 50, though cases in those younger than 20 are very rare. More than 20 percent of cases are diagnosed in women over 65 years of age. Those who undergo routine Pap tests are less likely to be diagnosed with mid or late stage cancer.

What is Cervical Cancer?

Cervical cancer can be caused by a number of factors, but many cases are linked to the Human Papilloma Virus. Cervical cells begin to mutate and form dysplasia, which is an elevated level of abnormal cell growth. Later these cells build up and form cervical cancer tumors or masses. Most cases of cervical cancer are discovered in the early stages, making the disease extremely treatable.

Cervical Cancer Life Insurance Underwriting

Cervical cancer is graded by its severity or invasiveness and aggressiveness. Stage I cervical cancer is localized to the cervix, while stage IV cervical cancer extends beyond the pelvis. Stage IV cervical cancer is fatal for many women.

Treatment for cervical cancer varies upon several factors, but may include a hysterectomy, lymph node removal and/or radiation and radiation implants.

In order to decide whether or not you are a viable risk, insurance underwriters require you to answer a number of different questions, some of which are listed below.


  • When were you first diagnosed with cervical cancer?
  • What stage was/is your cancer?
  • What was your last date of treatment?
  • How was the cervical cancer treated?
  • Are you currently being treated for cervical cancer?
  • Do you have any major health problems other than cervical cancer?
  • Have you been a smoker within the last year?


Life Insurance After Cervical Cancer

Possible underwriting outcome absent other impairments, with no further evidence of cancer and adequate routine follow-up care:

  • Carcinoma in situ, surgically treated – Non-rated
  • Carcinoma in situ, other Tumor – Rated
  • Stage Ia Tumor – Rated
  • Other stage l, localized Tumor – Rated
  • Stage II, III, IV – Decline

Cervical Cancer Survivors

I’m a cervical cancer survivor and in remission. I’m interested in learning about life insurance. What are my options?

Cervical Cancer survivors could have life insurance options available to them. Depending upon your individual health status, you may be able to secure a fully underwritten life insurance policy. This type of policy offers extensive coverage and pricing options. However, you must be able to prove to insurance underwriters that you’re a good risk and that you are now in good health.

Term Insurance and Permanent Insurance.

If you are eligible to buy Term life insurance after having had cervical cancer, it is crucial to secure the lengthiest term available. These rates apply for a specific number of years (10, 20 or 30), making them the cheapest type of life insurance because of the limits involving how long coverage will last.

On the other hand, Permanent life insurance is ideal if you have a history of cervical cancer. The rates are permanent (hence the name), and provide full death benefits for the rest of your life. The premium payments you make will increase the cash value of the policy, which you may use if you find yourself in a situation where you need extra cash or become terminally ill.

How do I qualify for a fully underwritten policy?

You will have to submit an application to the carrier and go through the medical exam process in order to know if you qualify for a fully underwritten policy.  The underwriting decision could takes months to decide whether to accept your application, depending on how long it takes to gather all your medical records.  Their decision is based upon your health history and answers you give on questionnaires, results form doctor records and medical exams.

For Current Cervical Cancer Patients

Life insurance for cancer patients can be difficult to find.  If you’re currently in treatment for cervical cancer and are denied fully underwritten types of life insurance policies you can qualify for a Graded Death Benefit Policy with payouts of up to $25,000. It’s not much but it can pay for a funeral and other burial expenses.

Graded Death Policies

Graded Death Policies are also known as guaranteed issue life insurance. It has a two-year waiting period before the full death benefit pays out. It has no medical underwriting questions on the application. If the policyholder dies before the waiting period is up, the beneficiary will receive any premiums that paid, plus 10% interest.

If you have cervical cancer, a graded benefit plan may be your only current option. On a guaranteed issued life insurance application no medical questions must be answered.  You must be between the ages 40 and 80 to qualify.

Get a Quote Today

If you or a loved one has survived cervical cancer or is currently battling cancer, you know how important life insurance can be. Children, spouses, and other dependents rely on your income to survive. We can help you leave them with a better tomorrow by purchasing a policy that suits your prognosis and budget.

Cervical Cancer Quote Questionnaire

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