How long do you need after thyroid cancer to get life insurance?
And how much will your coverage cost you?
We answer your questions and show you how to get the best rates from high-risk life insurers.
Pro Tip – Get an instant life insurance quote -> Companies use a health class of “standard plus” or “standard” ->
Thyroid Cancer Overview
Underwriting starts with the type and stage of thyroid cancer you had.
Thyroid Cancer Underwriting
Underwriters want to know the following:
- When were you diagnosed with 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?
Each company has its own guidelines used to determine your price.
We’ll get you underwriting feedback in days from companies that specialize in high-risk life insurance.
Papillary Thyroid Cancer Life Insurance
Papillary is the most common type of thyroid cancer.
|Cancer Stage||Underwriting Range|
|One||Standard – Standard Plus Rates|
|Three||Standard with a flat extra expense for 3-5 years.|
|Four||Postpone for 5-10 years before consideration|
You may be insurable as soon as you’ve completed treatment and your latest radioisotope scan is negative.
Rates tend to be less favorable if you were diagnosed prior to age 20 or after age 60.
Follicular Thyroid Cancer Life Insurance
Follicular thyroid cancer has similar underwriting outcomes as papillary thyroid cancer.
|Cancer Stage||Underwriting Range|
|One||Standard Plus Rates|
|Three||Standard with a flat extra expense|
The exceptions to the above are if there was an extensive capsular invasion or indication of Hurthle Cell cancer.
Postpone periods are longer due to the Hurthle Cell’s increased possibility of spreading to lymph nodes.
Medullary Thyroid Cancer
From an underwriting standpoint, cases are considered on a case-by-case basis.
The reason why is due to:
- Medullary cancer’s aggressive nature
- Tends to occur earlier in life
- Spreads more quickly than other thyroid cancers
- May not respond to radioactive iodine therapy.
For this reason, underwriters want to see multiple calcitonin tests before insuring you.
Typically a 3-5 year postpone period 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 Life Insurance FAQ
Yes, you can get life insurance, many times within a few months of surgery!
Life insurance depends on your age when diagnosed, cancer stage, type of cancer, and treatment received.
Yes, there are life insurance companies that specialize in cancer underwriting.
A guaranteed issue life insurance policy may be available now or if you are age 70+ with low-stage cancer.
Life insurance costs depend on the cancer stage, treatment received, and time since treatment.
All types are available, including term life insurance, universal life insurance, and whole life insurance.
The best life insurance companies vary depending on your individual medical details.
If you are looking for underwriting information about thyroid conditions, you will find that information here.
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.
Michael Horbal is the founder and owner of RiskQuoter.com and a licensed life insurance agent who has helped thousands with affordable protection for families and businesses.