kidney cancer life insurance

Kidney Cancer

If you’ve had kidney cancer and need life insurance, we can help you.

Finding life insurance after cancer can be difficult, but we show you how to get approved.

There are companies available that help people with high-risk cancer histories.

50,000 people per year are diagnosed with renal cell carcinoma. 

The most common type is Clear Cell Renal Cell Carcinoma, making up approximately 70% of all cases.

Kidney Cancer Underwriting

Life insurance underwriters want to know the following about your cancer history:

  • What stage was kidney cancer?
  • What grade was the kidney cancer?
  • How large was the tumor?
  • How was your cancer treated?
  • Was there any history of recurrence?
  • Were there any residual tumors?
  • Are your current kidney function tests within normal limits?
    • Blood Urea Nitrogen (BUN)
    • Creatinine Clearance
    • Serum Creatinine

Stage 1 Kidney Cancer

Most cases will be postponed for a period of time after the completion of all treatments.

For Stage T0 and T1 kidney cancers, the postpone period is 1-2 years.

That is from the date you complete treatment until life insurance is available. 

Stage 2 and 3 Cancer

After the postponed period of 1-2 years, a flat extra expense will be added to the standard life insurance rates.

For Stage T2 and Stage T3 kidney cancers,

The postpone period before coverage is available will be longer, in some cases as long as 5 years. 

After the postpone period, a flat extra expense would apply for approximately 10 years.

Standard rates would be available after 10 years.

For Stage T0 and T1 kidney cancers, flat extras are closer to the lower price range, while T2 and T3 are towards the high end.

The amount of the flat extra may be in the $750 – $1500 per every $100,000 of coverage.

One of the better life insurers for kidney cancer is John Hancock in our experience.

Flat extras typically last for 7-10 years, after that time you would pay the standard life insurance rates.

You find more information here about buying life insurance after cancer.

Final Words

At RiskQuoter Insurance Services, there is never any pressure or obligation with our life insurance service. 

We’ll give you the information you need to make an informed decision about your life insurance. 

Thank you.

Michael Horbal - Author

Michael J. Horbal

Owner of RiskQuoter

Too many people overpay for life insurance because they end up with the wrong life insurance company, agent, or both. That’s why I started RiskQuoter – To help you get the best life insurance rates available.

As an independent insurance agent, I’m licensed in all 50 states and the District of Columbia and offer 40+ life insurance companies to ensure you get your best rate!

Resources and Reference Material for kidney cancer underwriting

Kidney Cancer Association

National Cancer Institute

By Michael Horbal – updated on – 10/02/2022

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