How To Get Life Insurance With Cancer? 
A lot of people think `` once you have cancer , you 're uninsurable for life . '' This is not true . If you 've completed your cancer treatment and a given amount of time has passed since it 's completion -LRB- generally 2 + years are ideal conditions for getting coverage approved by an underwriter . Some carriers may ask for 3 , 4 , 5 , or more years since completion , varies by carrier -RRB- , you can qualify for life insurance benefits . When you 're looking for life insurance and you have a history of cancer , you will definitely want to shop the case before applying for coverage with a company . Every carrier has their own underwriting guidelines . With cancer histories , the type of cancer , course of treatment , when treatment was completed , and other factors , may result in a wide variety of risk classes carriers will assign . Company ABC could come back with table 2 and Company XYZ could come back with table 6 . You will want to work with an independent agent/broker that can look at multiple carriers , not just a single one . The only point in time where a carrier is going to look at cancer as an auto-decline , is when treatment is n't yet completed . During this time , you 're best options for life insurance benefits will generally be a guaranteed-issue whole life policy -LRB- features a 2 year `` graded '' benefit period -RRB- . 