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Life Insurance with Cancer

Whether you’re in remission or have just been diagnosed with cancer, we can help you find the perfect life insurance policy to suit you and your circumstances.

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  • What Is Life Insurance
  • Cost of Life Insurance
  • Life Insurance Calculator
  • Types of Life Insurance
  • FAQs
  • Blogs & Guides

What Is Life Insurance for Cancer Patients?

Life insurance for cancer patients can cover those currently undergoing treatment as well as those in remission. This coverage will offer you and your beneficiaries a lump sum payout if you pass away or are given 12 months to live. You may have been previously rejected for life insurance in the past, but The Insurance Surgery have plenty of experience in finding suitable policies for cancer patients.

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How Does Life Insurance with Cancer Work?

STEP 1
Complete form
STEP 2
Speak to us about your needs
STEP 3
We’ll search the market
STEP 4
We recommend the best product to suit your needs
STEP 5
Tell us when you want it to start!

 

When looking for cancer life insurance, you may have found that there is a range of options available to survivors and several alternative solutions to those who are recently diagnosed – with exclusions on the cancer they’re living with. When you get in touch with us, we will give you as much information as you need on your options, taking time to answer any questions and offer advice.

 

Before you pick up the phone or request a call back from one of our cancer insurance experts, though, it may help if you have the answers to the following questions:

  • What type of cancer do you have?
  • When were you diagnosed?
  • Do you have any recent results from tests or scans?
  • Are you currently receiving treatment?
  • What medication are you taking?
  • What grade or stage is your cancer?
  • Do you have a family history of cancer?

 

Once we’ve been in touch, our team can support you throughout the entire process and talk through potential policies, making them simple and easy to understand. 

 

Life Insurance After Cancer

When finding life insurance after cancer, you’re far more likely to be successful two years after you receive the all-clear. If you’re yet to reach this milestone, however, The Insurance Surgery may still be able to help. Our experts work closely with insurers across the market and are familiar with the companies that are more likely to offer policies.

How Does Life Insurance After Cancer Work?

There are a range of possibilities when it comes to life insurance after cancer. Some insurers may ask for higher premiums or input specific exclusions into your policy. We can connect you with one of our cancer life insurance experts who can offer free and impartial advice, as well as explain to you exactly what you are paying for.

When you book a call with one of our specialists, they can find you the best policies with the lowest premiums – with our price promise, you won’t find a better policy offer anywhere else. Our experts may ask for the following information:

What type of cancer did you have?

When were you diagnosed?

When did you finish treatment?

We can also help you to understand the language of your policy and how it works. For cancer survivor insurance policies, there is often use of the terms ‘complete remission’ and ‘partial remission’. But what do they mean exactly?

Complete Remission.

Also referred to as ‘No Evidence of Disease,’ complete remission means that scans and tests have shown that your body has responded well to treatment and that there are no signs of cancer in your body.

Partial Remission.

Partial remission means that your body is actively responding to treatment and that the level of cancer in your body has decreased

  • 15 Minute Read Time

What Cancers are Covered By Critical Illness Insurance?

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Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Read More

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

How Much Does Life Insurance For Cancer Patients Cost?

Much like your diagnosis, a life insurance policy will be unique to you, so the costs can ultimately depend on a variety of factors. Your circumstances and family history, as well as your policy of choice, will ultimately inform the cost of premiums. 

Your life insurance quote can depend on a wide range of circumstances, including factors like:

Your age

Your lifestyle

Your family’s medical history

Smoker Status

The length of your policy

Your occupation

Medical conditions

For a clearer idea of the average cost of life insurance, visit our Guide.

Cost of Life Insurance Case Study

We recently helped a man called Ben with a history of cancer who had previously been declined for a life insurance policy. 

We were able to find Ben the cover below:

Total Cover
Amount:

£650,000

Monthly Premium
Cost:

£76.36

Duration of
Policy:

20 Years

family with their dog

This means that over a 20-year period, Ben could spend only £18,806 on his premiums, with a potential life insurance cancer payout of up to £650,000.

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What If I Already Have Life Insurance?

If you already have either whole of life insurance or term life insurance before a cancer diagnosis, you may already have critical illness cover in place to protect you and your loved ones.

If you’re unsure about your policy, please speak to a member of our team – we can look at your current policy details and confirm what current cover is in place.

If we believe that we can find you a better life insurance deal that offers better cover, or lower premiums, we’ll let you know. But, don’t worry; we will only ever suggest switching to a new life insurance provider if we think that it is the right option for you.

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

30%

of people get life insurance due to becoming a parent.

Forbes Advisor, 2025

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Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

*Please see the Price Promise Terms & Conditions for more information.

Frequently Asked Questions

Can you get life insurance if you have cancer?

Life insurance with a cancer diagnosis is possible, but your level of cover and premiums may differ depending on your personal circumstances. If you have a history of cancer, some insurers may require you to be in remission for at least two years – after this time, you will be eligible for a standard life insurance policy.

There are always options available to protect you and your loved ones, which is why you may wish to book a phone call with one of our cancer life insurance specialists.

Yes, it does. If you have a life insurance policy before a cancer diagnosis, you will likely be covered. However, you may wish to check the details of any critical illness cover or income protection insurance within your policy details.

Typically, you may need to wait between one and two years to get life insurance after your last treatment, although this may depend on the type and severity of your cancer. After two years, you will likely be eligible for a standard life insurance policy.

If you have previously been declined for life insurance, there is still hope. The Insurance Surgery has a strong track record of finding policies for people who have been previously rejected, thanks to our relationship with niche lenders – setting us apart from high street insurers.

Whether you or a loved one has been told you have cancer, our team of experts in cancer life insurance are here to help. Life insurance for cancer patients can be difficult to navigate, especially if you’ve never needed to know anything about it before. We are here to offer advice and guidance so you don’t have to worry about finding the right insurance policy.

Our 25 years of experience in cancer life insurance means that we know which insurers are likely to provide you with a policy and can support you every step of the way.

Life insurance is unique – just like you.

Life Insurance for Parents

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Life Insurance for Dads

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Life Insurance for Sports & Hobbies

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Life Insurance for Self-Employed

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Income Protection

Find Out More

Life Insurance for Smokers

Find Out More

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.
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Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829
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Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Price promise terms & conditions: Please read our price promise terms and conditions which will tell you more about our promise.