How To Get Burial Insurance For Cancer Patients In 2024

If you are looking for burial insurance for cancer patients, you came to the right place.

A Cancer diagnosis can cause a lot of stress for people who are diagnosed with the disease. One of the most important things that people need to worry about is their burial costs.

There are many different ways to get this type of insurance, but it’s important to take the time and do some research on what’s available for you and your family.

Cancer patients or survivors might be able to get burial life insurance from their group life insurance policy.

This article talks about other types of life insurance that cancer patients or survivors might want to think about getting.

Overall, you want to be in the right policy so your family gets the full death benefit when that day comes.

Can I get life insurance if I have cancer?

There are over 17 million cases of new cancer diagnoses in the country. By the year 2040, there will be over 27.5 million new cases. The most common types are Breast, Lung and Prostate Cancer.

Be proactive, and protect your loved ones from the financial burden if you should suddenly become ill. No one is immune!

We will go over the best life insurance for cancer policy available for cancer survivors, and cancer patients with recent diagnoses.

Can You Get Burial Insurance If You Have Cancer

Can Cancer Patients Get Insurance After Diagnosis

So that burning question, can you get life insurance if you have cancer?

First and foremost, If you or someone in your family is fighting against cancer, we here at pray that you beat cancer forever…

Call us to get more help and accurate details for your best burial life insurance policy options for qualified health impairments. We will make sure when that day comes your family receives the full death benefit regardless of family medical history.

Burial life insurance for cancer patients whether the cancer is over 2 or more than 3 years ago, is important for every age.

Especially for middle-aged and senior citizens who should be enjoying the rest of their life without worries about final expenses as a traditional life insurance policy will take care of this and the accelerated death benefit is paid.

It is important for our loved ones that will be left behind to be free from the uneasiness of the financial burden of paying burial and funeral costs that sometimes goes out of hand when the time comes.

As a cancer diagnosis patient, it is important to secure a burial insurance plan for peace of mind and to enjoy life more with loved ones.

This is why a burial life insurance policy is so important! Again, these are permanent life insurance policies.

Facing the Future with Breast Cancer and Insurance Choices

When a breast cancer diagnosis enters one’s life, the path forward can be filled with uncertainty. Amidst treatment decisions, emotional reflections, and day-to-day challenges, thinking about insurance might not be on the forefront.

Yet, as we face these life-changing moments, ensuring our loved ones are taken care of becomes even more essential. Burial insurance emerges as a beacon of hope and clarity during these times.

It offers a way to provide for those we love, easing some future financial burdens. By understanding and making informed insurance choices, we not only affirm our resilience but also craft a legacy of care and consideration for those left behind.

Cancer Life Insurance Quotes And Approval Process

It is important to remember that rates and chances of approval of life insurance for cancer patients all depend on their survival rate and how their cancer can be easily treated.

Burial life insurance carriers will look at this differently for each.

For example, cancer patients with Melanoma are the most aggressive type of skin cancer. In fact, approximately 76,000 new cases diagnosed yearly in the U.S. will have a difficult time applying for a policy.

Whereas, applicants with non-life-threatening types of cancer like basal or squamous cell carcinoma are not an issue.

These will not affect burial insurance applications and policy costs. Life insurance for cancer carriers weighs the risk differently.

Above all, the cancer mortality rate is higher for men than women. Overall, life insurance providers focus on statistics.

When comparing groups according to race/ethnicity and sex, the rate of cancer mortality is highest in African American men.

Lowest for Asian/Pacific Islander women according to the National Cancer Institute.

With that being said, if you are still undergoing treatment we are able to obtain a life insurance policy with no health questions, medical exams, retrieving medical records, or asking about family history.

Our guaranteed issue life insurance with AIG will be able to cover any funeral and medical expenses regardless of health issues when the death benefit is paid.

4 Types Of Policies Available For Cancer Patients

Usually, there will be only 3 types of burial insurance policies available for cancer patients. Although life insurance carriers will vary on insurance quotes. It is important to speak to a burial insurance specialist.

Burial Life Insurance Quotes For Cancer Patients

Can you get life insurance with cancer? Quotes will vary depending on what you qualify for.

Level life insurance policies are for former cancer patients who have had no recurrence of cancer for the past 24 months after receiving treatment. You must be of excellent health to be offered a term life insurance policy with the lowest rates and instant active life insurance. It has lifetime coverage. Royal Neighbors is a great option depending on where you are in your diagnosis. The death benefit pays out on day one.

Graded policies are life insurance for cancer patients with a good outlook on their condition. And have the lowest cost with a 2-year waiting period to get active insurance coverage for applicants with active cancers. So if death occurs in the first two years then no death benefit will be paid and all premiums will be refunded plus 10%.

Modified policies are for more serious cancer conditions and have a more expensive life insurance cost or premium with also 2 year waiting period for current cancer patient applicants. However, some modified policies offer a percentage payout. So the death benefit will be paid 30% the first year, 70% the second, and in full year 3 and later.

What about life insurance cancer payout? Is it immediate?

Guaranteed or Permanent life insurance policies have the highest cost and have a 2-year waiting period to have active insurance coverage. This type of permanent life insurance policy is usually offered to cancer patients who are terminal and have the poorest outlook. 

Regardless of what policy you are qualified for, these are whole life insurance otherwise known as simplified issue whole life insurance policies.

What Is The Best Cancer Burial Insurance Policy

So it is important to realize your probability of survival to understand what type of final expense insurance policy you are being offered.

Again, if treatment is over 2 years ago then a simplified issue whole life insurance policy will be available regardless of family history.

Also, all cancers are different. Having stage 3 breast cancer will be different than having stage 1 thyroid cancer.

If it is a terminal illness, then we have a guaranteed acceptance life insurance carrier that can assist.

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Common Questions Being Asked By Burial Insurance Carriers

Why should I buy life insurance? Life insurance carriers will ask a lot of questions regarding your cancer condition.

Insurers typically ask: What type of cancer your family has had? How many relatives have been diagnosed with it?

When your family was diagnosed. The rate increases depending on your family’s medical history. A senior’s health may have a smaller effect on your rates compared to when they were young.

So it is important to know the kinds of questions that will affect your qualification and burial insurance costs.

It is important, to be honest when answering questions from insurance companies. If you are not honest, it could cost you more money, or they might not pay you at all.

SO ALWAYS answer the questions honestly on your life insurance application.

Common Questions From Burial Insurance Companies

How many times were you diagnosed with cancer?
What is your cancer diagnosis?
When were you initially diagnosed with cancer?
What is your cancer’s stage?
Do you have tumors?
Where did/do you have tumors?
What type of cancer treatment did you receive?
Did your cancer metastasize and spread to other parts of your body?
When did you last receive cancer therapy treatment?
Did your cancer recur?
Are you free from cancer now?
Did you have this disease within the last 2 years?

Depending on the burial insurance company, answering yes to some of these questions will have your burial life insurance application rejected right away.

For burial insurance carriers, family health history is not asked as part of these questions.

Every burial insurance company has different rules and guidelines for final expense life insurance qualification.

Life Insurance With Pre Existing Cancer

Top Cases Where Cancer Patients Will Get Rejected Or Pay A Higher Rate For A Burial Insurance Policy.

Currently A Cancer Patient And Burial Insurance

Some life insurance companies will not accept you if you have a disease that is hard to cure. Some companies wait 2 years or 4 years to see if the disease gets better before they decide. Every company has different rules.

Can life insurance carriers drop cash value if you get cancer?

Some life insurance companies will not give you a policy if you have cancer. But if you already have a policy and then get cancer, the company cannot take your policy away from you.

Also, getting approved for burial life insurance might be difficult for current cancer patients as they are categorized as “higher-risk clients” by burial insurance carriers.

Metastatic Cancer And Burial Insurance

Burial insurance companies will always ask if you had metastatic cancer and if that’s the case, then your application will most likely get rejected right away by a lot of life insurance carriers.

At the same time, metastatic cancer patients particularly are a higher risk for burial life insurance companies because of their very low survival rate.

Burial Insurance And Having Had Cancer Within The Last 2 Years

Burial insurance companies will ask applicants if they have had cancer within the last 2 years. If you have had cancer, you will need to wait at least 2 years before getting insurance coverage.

People who have had cancer and don’t have it now for 2 years can get life insurance right away.

Burial Insurance And Having Multiple Occurrences Of Cancer Diagnosis

Can you purchase life insurance after being diagnosed with cancer?

All of the life insurance carriers will certainly ask if you have or had more than one cancer diagnosis or if the same type of cancer occurred again. Your application will be flat-out rejected if that is the case.

This is why it is important to have a permanent life insurance policy in place.

Malignant Brain Tumors And Burial Insurance

Burial life insurance carriers understand the high risks for applicants with a malignant brain tumor.

There will be more questions if the applicant has a benign or malignant brain tumor so it’s best that the applicant must always have someone for assistance when applying.    

Sarcoidosis Patients and Burial Insurance

Above all, sarcoidosis diseases are not a type of cancer, but the best life insurance company categorizes it as having cancer because of the increased risk of it progressing to cancer.

Furthermore, there is a higher increased mortality rate every year.

After all, applicants with sarcoidosis are among the ones who will have a hard time getting good rates or even being approved for a life insurance policy.  

Guaranteed Final Expense Insurance For Cancer Patients

So, is there hope for getting good rates and guaranteed life insurance for cancer patients?

Can it be true? Life insurance for cancer patients?

YES, there are burial life insurance carriers that will still approve final expenses same-day insurance policies for cancer survivors. Depending on your cancer condition and how long you’ve had it.

Some burial insurance companies will offer life insurance plans that have a waiting period. This means you will have to wait to get the money. There might be extra costs or penalties for this kind of insurance plan.

Are life insurance riders an option for me? Life insurance riders allow you to customize your coverage to suit your lifestyle and needs by adding them to your policy.

You can get extra protection if your cancer comes back if you qualify for life insurance after a cancer diagnosis.

So it is important to consult with a highly experienced and licensed Burial Insurance Specialist to know how you can qualify and still get the best deal for a final expense life insurance plan or funeral insurance.

Best Life Insurance For Cancer Survivors with A+ rated burial life insurance carriers

Best life insurance for cancer patient survivors?

Here at, our top-rated A+ burial life insurance carriers can approve burial insurance for cancer patients with SAME-DAY INSTANT APPROVAL.

Burial Assistance For life insurance Cancer Patients

Contact one of our final expense insurance specialists that specializes in burial life insurance for cancer patients.

We help with other diseases, too. We offer life insurance coverage in less than half an hour. In fact, we also help you find the best burial insurance companies in your state.

Applying is easy–all you need is a voice signature.

For more information about Cancer, CLICK HERE.

Navigating Burial Insurance for Cancer Patients

Burial insurance for those with a cancer diagnosis can seem daunting, but by understanding the process, one can find a policy tailored to their needs. This guide provides a comprehensive breakdown to ease the journey of securing the right coverage.

Step By Step Guide

Research Providers Start by researching insurance companies that specialize or have a history of providing burial insurance to individuals with health issues.
Understand the Policy Types Guaranteed Issue Policy: Accepts almost everyone regardless of health, but typically comes with higher premiums and a graded benefits period (meaning full benefits might not be available immediately).
Simplified Issue Policy: Fewer health questions, and no medical exams. Might be an option for those with a history of cancer that is in remission.
Speak to an Agent An experienced insurance agent can guide you through available options and help you find policies you might qualify for.
Disclose Accurately Always be honest about your medical history. Misrepresentation can lead to policy cancellation or non-payment of benefits when they’re most needed.
Review the Fine Print Ensure you understand waiting periods, graded benefits, and other policy stipulations.
Apply Complete the application process, which might include answering health questions or undergoing a medical exam (though not always).
Stay Updated Health situations change. Review your policy annually to see if you can qualify for better rates or if there are new products better suited to your needs.

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Can a cancer patient get burial insurance?

Answer: Yes, many insurance providers offer burial insurance for cancer patients, though the terms and premiums may vary based on the diagnosis and stage of cancer.

How does the ‘waiting period’ work for burial insurance with a cancer diagnosis?

Answer: Some policies have a waiting period (e.g., 2 years) where if the insured passes away during this time, the policy might only refund premiums or pay a partial benefit, rather than the full death benefit.

Is a medical exam always required to get burial insurance for cancer patients?

Answer: Not always. Some policies, like the Guaranteed Issue or Simplified Issue, don’t require medical exams, but they might come with higher premiums or graded benefits.

Are premiums for cancer patients higher than for those without a diagnosis?

Answer: Often, yes. Due to the increased risk associated with a cancer diagnosis, premiums might be higher, but this varies by policy and provider.

If my cancer goes into remission, can I get better rates?

Answer: Possibly. Some insurance providers might offer better rates for individuals whose cancer is in remission, especially if it’s been several years since the diagnosis.


The right burial insurance for cancer patients will help ensure your loved ones have the best possible funeral and cremation.

As a result, you can rest easier knowing that everyone who is important to you has been taken care of in the way they deserve.

We have affordable life protection plans that do not require a medical exam or waiting periods. This makes it easy to get burial insurance for cancer patients today!

Get a quote from us now by filling out this form on our website and we’ll be happy to answer any question about how our policies work.

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