Getting Life Insurance With Cervical Cancer


A previous history of cancer can have a major impact if you are trying to get life insurance. Cervical cancer is one of those types of cancer. Yet even if you have had it in the past, it is still possible to get a life insurance policy, even one at an affordable premium. It’s mostly a matter of how you handle the process, and which insurance companies you apply to.

What is the impact of cervical cancer in getting life insurance?

What Is Cervical Cancer?

Cervical cancer is a type of cancer that develops in the lower part of the uterus. It starts with the rapid growth and spread of cancer cells among the cells that line the cervix. The development begins in a pre-cancerous state, that eventually develop into cancer. The change in the process is determined by use of a Pap test, which is used to hopefully identify the disease in its pre-cancerous stage, and then treated before it develops into cancer.

There are two main types of cervical cancer, squamous cell carcinoma and adenocarcinoma. Squamous cell carcinoma is the most common, representing up to 90% of cervical cancer cases. It develops mainly in the area of the cervix where the exocervix joins the endocervix, commonly known as the transformation zone.

Adenocarcinomas developed from the gland cells, which are located in the endocervix, and produce mucus. There is also a version of cervical cancer that includes characteristics of both squamous cell carcinomas and adenocarcinomas, referred to as either mixed carcinomas or as adenosquamous carcinomas.

Not all pre-cancerous developments in the cervix become cancerous. In fact in most cases the pre-cancerous cells will disappear even without treatment. This is the purpose of monitoring the situation using Pap tests. Since there is generally a long period of time between the development of precancerous cells and the conversion into cancer, treatment can begin before the situation becomes cancerous. The success rate in preventing cancer is extremely high if treatment is begun in the precancerous phase.

How Life Insurance Companies Treat Cervical Cancer

Life insurance companies will accept applications even if you have had a previous experience with cervical cancer. As is the case with all high-risk medical conditions, they’ll want to know if the disease has been successfully treated, and that a sufficient amount of time has passed that it can be determined that a recurrence is unlikely.

Specific information that they will review will include:

  • When you were diagnosed with the disease
  • How long it’s been since you completed treatment
  • What stage the cancer reached
  • What specific treatments and therapies you received
  • Any other incidences of cancer in your life
  • The overall level of your general health

Timing of both the onset and the final treatments of the disease will be an essential part of the insurance underwriting decision. As a rule, at least one year will have to elapse since you were given a clean bill of health. The stage that it progressed to will also be an important consideration.

Life insurance companies will generally approve your application if a sufficient amount of time has passed, but they may include higher premiums based on both the timing and the stage that the cancer progressed to. And naturally, any other health conditions that you have will be a consideration.

Treatment for cervical cancer can include radiation therapy, chemotherapy, chemoradiation (which is a combination of both chemotherapy and radiation therapy), and surgery to actually remove the cancer. The specific type of surgery that will be required will depend upon both the location and extent of the cancer, and whether or not you want to have children.

As is always the case with any major health problem, early detection and treatment are critical factors.

Applying For Life Insurance When You Have Cervical Cancer

If you have experienced cervical cancer, you should never try to hide that fact on a life insurance application, even if it happened many years in the past. Insurance companies will review your entire medical history, which will include virtually every medical procedure you have ever had, including doctor visits and medications taken.

You should make sure that you are regularly monitored for cervical cancer, and any other types of cancer that healthcare providers consider necessary. You should also participate in any recommended follow-up therapy.

But beyond your cervical cancer episode, it is always important to maintain maximum overall health. That means getting regular exercise, maintaining proper body weight, eating a preferred diet, avoiding bad habits like smoking and excess alcohol consumption, and regularly monitoring your overall health condition.

Where You Apply for Coverage Can Make All the Difference

Which insurance company you apply to will make all the difference if you have had a previous experience with cervical cancer. The task will be to find insurance companies that are likely to have the most favorable view of applicants who have had the disease. This will impact both the approval (or denial) of your application, as well as the premium that you will be charged on an approved policy.

If you have had cervical cancer in the past – or any other type of chronic health condition – we’d like to help you get life insurance. Getting people life insurance is what we do. That means we know which insurance companies to submit your application to, and which to avoid. We’ll work to get you the lowest possible premium, and we’ll handle the paperwork for you. And it won’t cost you anything extra for our services.

Give us a call, and put our experience to work for you.