Does Life Insurance Cover Cancer Death? 
Typically , yes . But lets cover some of the what ifs . What if you had no history of cancer , but then unfortunately come down with it after you take the policy ? Youre covered . What if you had a history of cancer , but didnt disclose it to the broker when you applied ? Nor did you tell him or the examiner about any doctors who treated you ? Thats a big no-no . Thats insurance fraud . The carrier could contest the claim in the first two years . To tell you the truth , they might even come after you after that . What if you just completed cancer treatment last year ? Carriers typically like to wait 2 to 5 years before making an offer . However , I have seen offers made sooner , under exceptional conditions . What if you are a woman , and you have no history of breast cancer , but it runs in your family ? With all other things being equal , you could certainly be eligible for coverage now . But the family history might preclude you from getting the rock-bottom rates -LRB- sorry - blame the actuaries :-RRB- What if you have an accident-only policy ? No coverage for illnesses such as cancer . But what if you had cancer , but tragically the cause of death was a plane crash ? Different story . 