Life insurance after thyroid cancer is available. This guide shows you how to get the best life insurance rates available for cancer survivors.
With our life insurance service, there is never any pressure or obligation. We provide you with the information you need to make an informed decision about your life insurance.
Quick Overview Guide
These links take you right to the section that interests you.
- Papillary Thyroid Cancer
- Follicular Thyroid Cancer
- Medullary Thyroid Cancer
- Thyroid Cancer Underwriting Questions
We shop the best life insurance companies to ensure you receive a great life insurance rate.
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Thyroid Cancer Life Insurance FAQ
Life insurance is available to most thyroid cancer survivors as soon as you complete treatment.
Life insurance for thyroid cancer survivors depends on factors such as your age when diagnosed, cancer stage, type of thyroid cancer and treatment received.
Yes, there are life insurance companies that specialize in thyroid cancer. If you end up with the wrong company, you will be declined or asked to pay too much.
Life insurance will not be available until after treatment, with the exception of guaranteed issue life insurance policies or age 70+ with low stage cancer.
Your life insurance cost after thyroid cancer will depend on the cancer stage, treatment received and time since completion of treatment. For many people, standard life insurance rates are available soon after treatment.
All types of life insurance are available after thyroid cancer, with a few exceptions. Most people will be able to buy term life insurance, universal life insurance or whole life insurance. In some instances, a guaranteed issue policy may be the only type available.
The best life insurance companies for thyroid cancer vary depending on your individual details. With that being said, Banner Life, Prudential, Protective Life are very good with thyroid cancer life insurance underwriting.
If you are looking for underwriting information about thyroid conditions, you will find that information here.
Papillary Thyroid Cancer
Papillary is the most common type of thyroid cancer and life insurance may be available as soon as you’ve completed treatment and the latest radioisotope scan is negative.
What to expect from underwriting:
- Stage 1 cancer – Standard – Standard Plus rates
- Stage 2 cancer – Standard rates
- Stage 3 cancer – Standard with a flat extra expense.
- Stage 4 cancer – Postpone for 5-10 years before consideration.
Flat extra expenses vary by company and last 3-5 years after the completion of treatment.
Also, rates may be less favorable if you were diagnosed prior to age 20 or after age 60.
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Follicular Thyroid Cancer
Follicular thyroid cancer and papillary-follicular thyroid cancer have similar underwriting outcomes as papillary as long as there is no extensive capsular invasion.
- Stage 1 cancer – Standard – Standard Plus rates
- Stage 2 cancer – Standard rates
- Stage 3 cancer – Standard with a flat extra expense.
An exception to this is Hurthle Cell thyroid cancer.
Due to Hurthle Cell’s increased possibility of spreading to lymph nodes, underwriting postpone periods tend to be longer and approvals are case by case.
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Medullary Thyroid Cancer
Medullary thyroid cancers are rare and underwriting is difficult due to their aggressive nature and resistance to treatment.
The underwriting concerns are that medullary occurs earlier in life, spreads more quickly and does not respond to radioactive iodine therapy.
For this reason, underwriters want to see multiple tests of your calcitonin levels being stable before insuring you.
From an underwriting standpoint, medullary cancers are a case by case process and typically will require a postpone period of 3-5 years after the completion of treatment.
Anaplastic Thyroid Cancer
Anaplastic thyroid cancers are not insurable with traditional life insurance due to their likelihood of spreading to your neck, throat and other parts of your body quickly.
Guaranteed issue life insurance may be available, but the death benefit is graded, meaning that the payout is a return of premiums paid if death occurs during the first 2 years.
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Thyroid Cancer Underwriting Questions
To begin with, underwriters need to know the following:
- When were you diagnosed with thyroid cancer?
- What type of thyroid cancer did you have?
- What was the stage of thyroid cancer?
- Were any lymph nodes positive for cancer?
- How was the thyroid cancer treated?
- Has there been any recurrence?
- What medications and dosages do you take?
- Do you have any other health issues?
Life insurers review your entire medical history as part of their underwriting.
We gather your information and use a quick quote process that allows us to get preliminary underwriting feedback in a few days from life insurance companies.
Therefore, once we have that feedback, we’ll tell you what to expect in terms of underwriting and price with each company.
Thyroid Cancer Conclusion
When it comes to getting life insurance after thyroid cancer, our underwriting process ensures that your information is protected and shopped to the life insurers that specialize in thyroid cancer underwriting.
Please take a few minutes to complete your thyroid cancer quote request today.
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In addition to thyroid cancer, we also specialize in:
- skin cancer
- prostate cancer life insurance
- breast cancer
- bladder cancer
- cervical cancer
- colon cancer
- kidney cancer
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