Cancer Survivor and Insurance

If you're a cancer survivor, then genetic and environmental variables may be considered by the life insurance underwriter.

For example, cancer survivors have an increased risk of developing cancer again - even though the cancer may be in remission and the patient is currently cancer-free. And a family history of cancer may additionally predispose an individual to cancer. Unfortunately, your genetic history is completely beyond your control.

However, insurance companies are usually willing to consider all the mitigating factors that are within your personal control. For example, lifestyle choices such as quitting smoking will be seen favorably. As another example, the serious survivor can choose a healthier work environment, in terms of exposure to contaminants and carcinogens.

As a cancer survivor, you may qualify for surprisingly inexpensive life insurance coverage - if you can demonstrate a commitment to building a long and healthy future for yourself.