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.
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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 Stage | Underwriting Range |
| One | Standard – Standard Plus Rates |
| Two | Standard Rates |
| Three | Standard with a flat extra expense |
| Four | 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.
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 Stage | Underwriting Range |
| One | Standard Plus Rates |
| Two | Standard Rates |
| Three | 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, 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
Yes, you can get life insurance after thyroid cancer, many times within a few months of surgery!
Life insurance depends on your age when diagnosed, cancer stage, type of thyroid cancer, and treatment received.
Yes, there are life insurance companies that specialize in thyroid cancer.
A guaranteed issue life insurance policy may be available now or if you are age 70+ with low stage cancer.
Life insurance costs after thyroid cancer depend on the cancer stage, treatment received, and time since treatment.
All types are available after thyroid cancer, including term life insurance, universal life insurance and whole life insurance.
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.
Last Updated – March 20, 2021