Breast Cancer Life Insurance | Breast Cancer Survivor Life Insurance

Breast cancer life insurance coverage is not only possible but affordable, whether you're in remission or currently diagnosed. Find out how to get life insurance with breast cancer for $700/year or $58.33/mo.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites...

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UPDATED: Aug 12, 2020

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Breast cancer is the most common cancer found in women in the US, with nearly 300,000 new cases expected to be diagnosed this year. Only lung cancer causes more cancer deaths in women. The likelihood a woman will develop breast cancer during her lifetime is 1 in 8. The big question is can you get life insurance if you have breast cancer?

For the nearly 2.6 million breast cancer survivors in the U.S. in 2011, hope and unity continue to help carry them to the next day. And for those women, the opportunity to secure breast cancer life insurance for themselves and their families is there. We’re here to show you how to get term life insurance with breast cancer with at least 5 ways to get term life insurance quotes.

If you are a survivor or know one, we can help you too. We will explain how term life insurance companies handle applicants with a history of breast cancer. What do they look for?

How to get term life insurance with cancer doesn’t have to be hard. Read on to learn more about how to get term life insurance with breast cancer and see how you can save on term life insurance using our FREE quote tool above. Get started now.

Shopping for Life Insurance Quotes With Breast Cancer

The best place to buy life insurance is online, and believe it or not, life insurance with a history of breast cancer or even a current diagnosis of cancer is not only possible but affordable. Check out the table below to learn what your life insurance options are if you are shopping for life insurance quotes with breast cancer among the best life insurance companies around.

Life Insurance Options for Breast Cancer Survivors
Cancer StageLife Insurance Option
In remission (past waiting period)Term life insurance or Whole life insurance
Are cancer-free (within waiting period)Guaranteed issue
Currently have cancerGuaranteed issue
Get Your Rates Quote Now

As you can see, there are both term life and whole life insurance options available from the best companies for life insurance, especially if you are in remission.

Average Life Insurance Rates With Breast Cancer

Can someone with breast cancer get life insurance? Now, let’s take a look at some real examples from real customers to get an idea of what life insurance rates look like if you have or have had breast cancer.

Good Outcome

Nancy applied for term life insurance when she was 56 years old.

  • Diagnosed at age 50
  • Stage 0 breast cancer
  • Treatment involved surgery, radiation and chemotherapy
  • No lymph node involvement, no metastasis
  • Visits her doctor twice a year for mammograms
  • No other medical conditions
  • Outcome:  Approved at a Standard rating class
  • Premium: $700 annually

While it’s not the perfect outcome, it’s definitely better than what could happen.

Not-So-Good Outcome

Jillian applied for term life insurance when she was 45 years old.

  • Diagnosed at age 42
  • Stage 2 breast cancer
  • Treatment involved surgery, radiation and chemotherapy
  • Minor lymph node involvement, no metastasis
  • Visits her doctor twice a year for mammograms
  • No other medical conditions
  • Outcome: Postponed for ten years from treatment ending (age 50)

Can you get life insurance if you had cancer? This is a good example of a situation that could occur. If you continue shopping, you can probably find a company that won’t delay your life insurance policy.

Poor Outcome

Mary applied for term life insurance when she was 38 years old.

  • Diagnosed at age 34
  • Stage 2 breast cancer
  • Treatment involved surgery, radiation and chemotherapy
  • No lymph node involvement, no metastasis
  • Has not seen her doctor in over two years
  • No other medical conditions
  • Tobacco User
  • Outcome: Declined

You can see Nancy had the best outcome, due to low-stage cancer that was caught early and treated. Being over age forty and having regular follow-up appointments with her doctor also helped.

Jillian’s cancer was more extensive, and although she had no other medical conditions and good follow up, her application was postponed until more time has passed since treatment. Finally, Mary was the youngest of the group when she was diagnosed. However, her lack of routine follow-up, and tobacco use resulted in her application being declined. 

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What is Breast Cancer?

Breast cancer is the uncontrolled growth of abnormal cells that begins in the breast tissue. There are two main types of breast cancer, each determined by the location the cancer originated in. Each type can be invasive, meaning it has spread, or non-invasive (also known as in-situ).

  • Ductal carcinoma – Originates in the milk duct
  • Lobular carcinoma – Originates in the breast lobules, which produce milk 

You deserve life insurance regardless of the type of breast cancer you experience, right? Let’s learn more about life insurance policies for breast cancer patients.

Breast Cancer Statistics

Breast cancer is the most common type of cancer found in women in the U.S. According to Centers for Disease Control (CDC).

  • 1 in 8 women in the U.S. will develop invasive breast cancer during their lifetime
  • In 2014, an estimated 232,670 new cases of invasive breast cancer were expected to be diagnosed in the U.S.
  • In 2014, an estimated 62,570 new cases of in-situ breast cancer were expected to be diagnosed in the U.S.
  • In 2014, an estimated 40,000 women were expected to die from breast cancer in the U.S.
  • Breast cancer awareness in this country continues to grow each year. Death rates from breast cancer have declined each year since 1989.

While the disease is far and away a woman’s disease, men are not immune to it. Each year about 2,400 new cases of breast cancer are diagnosed in men. A man’s lifetime chance of developing breast cancer is about 1 in 1,000.

Treatments and Prevention

Breast cancer treatment varies by individual circumstances. Treatment depends on tumor size and location, stage and grade of the disease, and other factors. Treatment options typically include the following, with most women receiving a combination of treatments:

  • Radiation
  • Chemotherapy
  • Hormone therapy
  • Surgery (lumpectomy, mastectomy, etc.)

Breast cancer prevention is achieved by maintaining a healthy, active lifestyle to include a proper diet, moderate exercise and avoiding known carcinogens such as tobacco and excess radiation.

If you have a family history of breast cancer, consider being tested for BRCA1 or BRCA2 genes. Tamoxifen is a medication that has been approved by the FDA to help prevent breast cancer, by interfering with estrogen activity.

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What Life Insurance Companies Look For

Life insurance companies want to see that women with a history of breast cancer have (1) received full treatment, and (2) have completed regular follow-up visits per doctor’s orders. Lifelong follow-up is crucial, as recurrences can occur as many as 30 years after the initial diagnosis.

The life insurance company you apply with will be looking specifically at:

  • Your age at diagnosis
  • The amount of time since diagnosis
  • The stage and grade of cancer
  • The tumor size
  • Any lymphatic node involvement
  • Whether metastasis is present
  • Whether there was any recurrence of cancer following recovery
  • Length of time since treatment and recovery
  • Your menopausal status
  • The treatment success and adherence to treatment recommendations
  • Follow up visits as recommended by doctor
  • Whether you are a tobacco/drug/alcohol user
  • Any other major health problems

Even knowing this, we know there are more questions. Can I get life insurance if I had breast cancer? Can I get life insurance with Stage 4 cancer? In many cases, getting term insurance for cancer patients is possible, but some cases may be more difficult than others. Be sure to start comparing life insurance policies to get your best rates.

How to Prepare for Your Term Life Insurance Application

There are important measures you can take to prepare yourself before applying for term life insurance. Doing so will help your chances of getting approved for the best rating class possible. Use the following tips to put yourself in the best position to win:

  • Have all doctors’ name/address/phone available.
  • Make sure your doctor(s) has copies of all records regarding the cancer treatment, pathology reports, and follow-up reports.
  • Have a list of all medications and their dosages available.
  • Do not skip any follow-up visits with your doctor. 

The breast cancer life insurance underwriting process is an important opportunity for prospective clients to get good coverage and get the cheapest term life insurance possible. You’ll need to be clear with your agent on your status because there anticipated differences in life insurance for breast cancer survivors versus insurance for those with active breast cancer.

What Our Experience Has Shown

Can breast cancer survivors get life insurance? We’ve helped thousands of people apply for term life insurance, and many of those people had breast cancer. Breast cancer survivor life insurance might be different than the average Joe, so here are a few things we’ve learned:

  • Stage 4 breast cancer life insurance would be hard to come by
  • Breast cancer and whole life insurance – there are policies available just like with term life insurance
  • Life insurance companies usually postpone applicants who have not followed doctor’s orders regarding follow-up visits, or those that have outstanding follow-up visits.
  • Generally speaking, life insurance companies do not make policy offers while the applicant is currently in treatment.
  • You may be declined if you apply too soon after finishing treatment, typically within the first year.
  • Approval is more likely the longer it has been since treatment, with no recurrence.
  • Rating classes better than Standard are rare. Most applicants with a history of breast cancer receive a Sub-standard rating class. Understanding term life insurance rating classes is important.
  • The best chances for approval with a good rating class and no extra premium are:
  • Over age 40 at diagnosis
  • Early stage, small tumors
  • 10+ years since treatment with no recurrence
  • The life insurance company will usually decline applicants if the cancer metastasized.
  • Extra premium is commonly required when it has been less than ten years since recovery.

Can I get life insurance if I had breast cancer? As you can see above, it’s easier to get term life insurance as a cancer survivor than it is to get life insurance with pre existing cancer.

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How to Get Life Insurance With Breast Cancer: The Bottom Line

The good news about applying for term life insurance when you have a history of breast cancer is — yes, you can qualify for coverage! Your outcome and resulting premium cost will depend greatly on some factors, including your age, stage of cancer, treatment, follow-up, medical history and more.

While you can control the outcome to some extent through good follow up and lifestyle habits, when it comes to getting life insurance, other uncontrollable factors will come into play when the life insurance company reviews your application. Can you get life insurance if you have a terminal illness? While there isn’t a clear and perfect answer, it is usually possible.

Remember, you could be asked to wait and apply later (postponed), or your policy may cost more due to an extra premium being applied to try to make the Breast Cancer and Life Insurance payout worthwhile for all parties. But these are temporary measures, and eventually, you will get the coverage you seek and a more affordable premium cost!

As always, please discuss your situation with your life insurance agent or broker, and provide as much information as you can. They will help direct you to the best life insurance company based on your individual circumstances.

Now that you know how to get term life insurance with breast cancer, click on our FREE quote tool below to compare rates. Get started now.

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