Comprehensive Guide to Burial Insurance and Cancer Recurrence

September 28, 202310 min read

When facing cancer, managing the financial strain alongside the illness itself can be overwhelming. Affordable burial insurance for cancer recurrence offers a solution to ease some of the financial burden, especially during subsequent treatments.

The saying, "It is better to risk starvation than to die from a disease," rings true when considering burial insurance and cancer recurrence. Navigating insurance policies can be daunting, especially when determining coverage needs and associated costs.

If you're facing financial challenges after initial treatment, it's advisable to consider purchasing burial insurance for cancer recurrence. Let's explore what cancer recurrence entails, your coverage options, and the impact it may have on your life insurance needs.

Burial Insurance And Cancer Recurrence: What is it?

Burial insurance, commonly referred to as final expense insurance, is a form of life insurance designed to cover the funeral and burial expenses of an individual upon their demise, providing financial support to their family or beneficiaries during a challenging time. However, individuals with a history of cancer recurrence may encounter challenges in obtaining burial insurance, potentially resulting in higher premiums. Insurance companies typically assess an applicant's health and medical history to determine eligibility and pricing. A history of cancer recurrence may be viewed as a pre-existing medical condition, impacting the cost and availability of burial insurance. In such cases, individuals should explore their options, seek guidance from knowledgeable insurance agents, and carefully review policy conditions to make informed decisions tailored to their specific needs and circumstances.

Even if you receive a cancer diagnosis, you can still obtain life insurance.

If you or a loved one has been diagnosed with cancer and does not already have life insurance, obtaining coverage is still possible.

For further details on the necessary steps, please contact us.

The amount of coverage you qualify for and the premiums you will ultimately pay depend on factors such as:

  • The type of cancer

  • The stage of cancer

  • Prognosis

  • Treatment plan

Can you get life insurance with cancer?

Yes, it's true. Even if you have cancer, you can still buy life insurance, though there might be limitations based on the type of cancer.

Cancer patients can indeed buy life insurance, but there might be specific criteria to meet. For instance, certain tumors may need a specific period of remission before the application is approved. Others may require regular checkups and blood tests to ensure cancer hasn't recurred.

Common types of cancers include:

  • Breast Cancer

  • Prostate Cancer

  • Lung Cancer

  • Melanoma Cancer

  • Colon Cancer

  • Non-Hodgkin Lymphoma

  • Bladder Cancer

  • Endometrial Cancer

  • Kidney Cancer

  • Pancreatic Cancer

  • Leukemia

  • Liver Cancer

  • Thyroid Cancer

When seeking life insurance for a cancer patient, consider the amount of coverage needed and the duration required. Additionally, assess whether any other medical conditions might affect their ability to get coverage or affect rates.

Often, two years after diagnosis, you may still qualify for coverage and standard rates with diseases like breast or prostate cancer, which have good survival rates.

However, more aggressive cancers with shorter life expectancies may face challenges in obtaining traditional life insurance coverage.

Nonetheless, even individuals with active cancer may still qualify for burial insurance.

Cancer can be challenging to insure against, but early detection improves the chances. Stage 0 or stage 1 cancers may still be insurable and even qualify for standard rates two years after treatment.

Despite following their treatment plan and having a favorable prognosis, cancer survivors may face difficulties in obtaining life insurance.

It's important to note that burial insurance works differently from traditional life insurance.

How does cancer recurrence impact burial insurance?

After two years from the initial diagnosis, recurring cancers are classified as pre-existing conditions, which means funeral insurance plans typically do not cover them.

During the first two years after purchasing burial insurance while battling cancer or another serious illness, any claims related to cancer recurrence may not be covered.

However, if more than two years have passed since your last treatment, obtaining immediate coverage with no waiting period should be feasible.

There are alternative options available if you wish to safeguard yourself from future medical expenses:

  • You might qualify for life insurance through your employer or a group plan that offers guaranteed issue coverage, irrespective of pre-existing conditions.

  • Consider purchasing guaranteed issue whole life insurance, either through an existing plan or via an independent broker/agent specializing in such policies.

Can my burial insurance policy cover my cancer recurrence?

Yes, certain burial insurance policies can cover your funeral expenses if you become terminally ill, provided your doctor certifies that there is no hope of recovery or remission from your illness.

If your policy is active and is a level policy, it will cover all funeral expenses if you are still undergoing treatment but are expected to pass away within a year of diagnosis.

When you accelerate the benefit, most burial insurance policies will cover up to 100% of funeral expenses, including embalming fees or burial plot costs. However, it's worth comparing policies because some companies offer coverage for up to 50% of these expenses.

Understanding these three options can help you select the appropriate rate class when searching for a policy:

  • If you are currently diagnosed and receiving treatment, then the only available policies are graded/guaranteed issued whole life policies, which typically have a 1-2 year waiting period.

  • If you had cancer in the past, and treatment ended over 24 months ago, you can qualify for level day one coverage.

  • If there is a history of cancer in your family, it's advisable to obtain coverage early.

How Life Insurance Works if You Have Cancer

Some life insurance companies rely on traditional physical exams, which can pose challenges in securing adequate coverage if you are in remission or recently diagnosed.

However, for burial insurance, many insurers only look back two years. If your treatment ended over 24 months ago, you may qualify for coverage at standard rates, as if you never had cancer.

Remember, choosing life insurance involves various considerations. Each company has its own underwriting policies, so if one doesn't suit you, another might.

That's why consulting with an independent agency like is crucial.

While finding the right fit may take time and effort, we can quickly pinpoint the suitable carrier, sparing you the hassle.

Don't navigate the process alone. With connections to leading life insurance providers, we can help you secure the coverage you need.

Partnered with top-rated insurers, we ensure our customers receive optimal coverage, along with cutting-edge supplementary features at no extra cost.

No-Medical Exam Required to Apply

No-medical exam life insurance eliminates the need for a physical or underwriting exam.

Applicants need only answer health-related questions and demonstrate good health, with no cancer diagnosis or treatment in the last two years.

We specialize in providing affordable no medical exam life insurance.

Contact us today to speak with an agent and explore your insurance options for dealing with cancer.

Life Insurance for Stage 4 Cancer Patients

Stage 4 cancer patients, like anyone else, can secure life insurance coverage to help cover costs in the event of death.

Life insurance plans, regardless of type, typically provide a predetermined sum of money to beneficiaries upon the policyholder's death.

Many individuals purchase life insurance to support their families financially after they're gone, especially those with children or other dependents.

For stage 4 cancer patients, life insurance can help cover final expenses. However, understanding the available coverage options is crucial to determine if it's necessary.

We're here to assist you with that

Benefits of Burial Insurance for Cancer Patients

Provides peace of mind to loved ones, ensuring they won't be saddled with debt after your passing.

Prevents family members from having to liquidate assets to cover final expenses, preserving their savings and investments, or worse, avoiding debt altogether.

Offers financial security to surviving spouses and children in the event of the primary earner's unexpected death from cancer or other illnesses.

Can burial insurance cover cancer recurrence?

Absolutely! While some may believe burial insurance is primarily for chronic conditions like heart disease or diabetes, cancer recurrence can indeed be covered by certain policies.

Second tumors are also covered by several policies:

Many policies extend coverage to second tumors. For example, if you were initially diagnosed with breast cancer, received successful treatment, and later developed lung cancer leading to your passing, your family could still receive benefits under the policy. Despite originating from the same underlying cause, lung cancer is considered a separate disease.

However, there are considerations if you develop a second cancer within two years of the initial diagnosis, even after treatment. Some policies may impose restrictions or waiting periods in such cases.

What are the options for coverage if my cancer recurs?

Facing a cancer diagnosis can understandably bring financial concerns to the forefront. Fortunately, there are avenues to help protect your family's financial well-being.

Coverage options for cancer insurance generally fall into three categories:

  • Cancer-specific policies: These policies focus solely on covering specific types of cancer, excluding coverage for other medical conditions. They are most suitable for individuals with a high risk of developing a particular type of cancer, often based on factors like family history or occupational exposure to carcinogens.

  • General health insurance with cancer treatment coverage: While general health insurance plans typically cover a wide range of medical expenses, some insurers offer additional coverage for cancer treatment. This can include everything from diagnostic tests and medications to hospitalization and surgical procedures. Notably, Medicare and Medicaid may not fully cover these expenses (Medi-Cal in California).

  • Comprehensive health insurance plans with cancer coverage: These plans provide extensive coverage for all aspects of cancer care, including prescription drugs, hospital stays, and other expenses related to the disease. They offer comprehensive protection throughout your treatment journey.

How to Secure the Best Life Insurance for Cancer Recurrence Patients?

Understanding the importance of coverage for cancer recurrence, we offer a range of options to suit your needs. Our expert team is dedicated to guiding you toward the most suitable solution for any impairment you may face.

At, we're committed to helping clients find the most cost-effective and appealing plans to fulfill their requirements. Whether you're navigating a pre-existing medical condition or seeking a personalized and affordable solution, we're here to assist you every step of the way.

With comprehensive knowledge of the underwriting and rates of all the reputable burial or final expense insurance companies we represent, we ensure that you receive the best possible coverage.

As an independent entity, we have access to leading Final Expense Insurance Specialists, allowing us to offer a diverse range of options tailored to your needs.

Backed by a team of highly skilled professionals and access to major insurance carriers, we prioritize providing top-notch insurance solutions for our clients, regardless of their circumstances.

At, we pride ourselves on delivering tailored solutions that best fit our clients' needs. Our commitment is to simplify the process and alleviate any stress along the way.

Final Thought

While cancer is often perceived as fatal, that's not always the case. This article explores options available to individuals facing a cancer diagnosis, including burial insurance.

Burial insurance can provide financial assistance for funeral and other end-of-life expenses. For cancer survivors, the fear of recurrence is constant.

This article delves into the specifics of burial insurance and its potential benefits for cancer patients.

Ready to explore cost-effective coverage tailored to your needs? Contact us today to begin. Call our agents at (855) 468-8900 or fill out the quote form on this page for a personalized burial insurance quote.

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