How Much Life Insurance Can You Get If You Have Been Diagnosed With Breast Cancer? 
Traditionally , you can get up to 20-30x your income level of life insurance . The medical history does not necessarily limit how much you can get . The medical history determines the risk classification which controls the premiums for the coverage you want to put in place . When it comes to breast cancer , the details of the medical condition will determine which carriers will offer coverage and what the risk classification would be -LRB- each carrier has different underwriting , you may not get the same risk class offer from each of them -RRB- , The best thing to do is to shop the case via an independent insurance agent/broker who can shop it to multiple companies . You do NOT want to apply to multiple companies as this can work against you due to the MIB -LRB- Medical Information Bureau -RRB- - from a company 's point of view , it 's sort of like a red flag if you will if they saw you applied to multiple companies which they can check the MIB for . In order to secure the most accurate quotes for the coverage , a number of factors would need to be known such as when the cancer was diagnosed , what stage is it in/was it in , how was it treated , has treatment been completed , are there anymore tests scheduled or that need to be completed , are you being treated for any other conditions , what prescriptions do you take , family medical history , and other factors . If you have a copy of the pathology report , that will help with a lot of the input . If cancer is current , guaranteed-issue whole life -LRB- GIWL -RRB- will be the only type of coverage available as it does n't have any medical questions or exam requirements . However , the amount of coverage available under a single policy is $ 20,000 - $ 25,000 , depending on the carrier . To get more than that , you would need to stack multiple policies . Under GIWL policies , they traditionally feature a 2 or 3 year graded period - meaning you only have accidental death coverage during those periods , otherwise the carrier just returns the premiums paid into the policy if death occurs during the graded period . After the graded period expires , the full benefit is payable . Carriers typically only issue fully-underwritten coverage if the cancer has been in remission/treatment completed for at least 2 years . Many carriers prefer 5 + years from the date treatment was completed for a more favorable risk class . Send me a message via the `` contact me '' button by my profile picture if you would like me to assist with your coverage . My group is licensed with about 50 different carriers in numerous states . I hope the information is helpful - please let me know how I can be of further assistance . Thanks very much . 