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Thyroid Cancer Life Insurance

If you’ve had thyroid cancer, we can help you get the coverage you deserve.

When is life insurance available, how do you qualify and how much is it going to cost you?

Thyroid Cancer Overview

  • Papillary Thyroid Cancer
  • Follicular Thyroid Cancer
  • Medullary Thyroid Cancer
  • Thyroid Cancer Underwriting

Underwriting starts with the type of thyroid cancer you had.

No time to read?

thyroid cancer ratings graphic

We shop the best life insurance companies for cancer to ensure you receive a great life insurance rate.


Papillary Thyroid Cancer

Papillary is the most common type of thyroid cancer.

Life insurance may be available as soon as you’ve completed treatment and the latest radioisotope scan is negative.

What to expect from underwriting:

Cancer StageUnderwriting Range
OneStandard – Standard Plus Rates
TwoStandard Rates
ThreeStandard with a flat extra expense
FourPostpone 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.


Follicular Thyroid Cancer

Follicular thyroid cancer and papillary-follicular have similar underwriting outcomes as papillary thyroid cancer.

As long as there is no extensive capsular invasion.

Rates by cancer stage:

Cancer StageUnderwriting Range
OneStandard Plus Rates
TwoStandard Rates
ThreeStandard 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, postpone periods are longer.


Medullary Thyroid Cancer

Medullary thyroid cancer underwriting is difficult due to its aggressive nature and resistance to treatment.

Underwriting concerns are that:

  • Medullary cancer occurs earlier in life
  • It spreads more quickly than other thyroid cancers
  • May 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 on a case by case basis.

Typically a postpone period of 3-5 years is required after the completion of treatment.


Anaplastic Thyroid Cancer

Anaplastic cancers are not insurable with traditional life insurance.

This is due to their likelihood of spreading to your neck, throat, and other parts of your body quickly.

Guaranteed issue life insurance policies may be available.


Thyroid Cancer Underwriting

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 medical history as part of underwriting.

We gather your information and use a quick quote process.

A quick quote 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.


FAQ

Can you get life insurance after thyroid cancer?

Yes, you can get life insurance after thyroid cancer, many times within a few months of surgery!

How does thyroid cancer affect life insurance?

Life insurance depends on your age when diagnosed, cancer stage, type of thyroid cancer, and treatment received.

Are there life insurers that specialize in thyroid cancer?

Yes, there are life insurance companies that specialize in thyroid cancer.

Can you get life insurance with thyroid cancer?

A guaranteed issue life insurance policy may be available now or if you are age 70+ with low stage cancer.

What will life insurance cost me after thyroid cancer?

Life insurance costs after thyroid cancer depend on the cancer stage, treatment received, and time since treatment.

What type of life insurance is available after thyroid cancer?

All types are available after thyroid cancer, including term life insurance, universal life insurance and whole life insurance.

Which life insurance companies are best for thyroid cancer?

The best life insurance companies for thyroid cancer vary depending on your individual details.


If you are looking for underwriting information about thyroid conditions, you will find that information here.

Thyroid Cancer Conclusion

You’ll receive accurate quotes and feedback from us.

We’re going to tell you which companies are best and why.

There is never any pressure or obligation with our service. Thank you.

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Last Updated – March 20, 2021

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