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Life Insurance with Cervical Cancer in Canada

Life Insurance with Cervical Cancer in Canada
Life Insurance with Cervical Cancer in Canada

Cervical cancer is one of the most common cancers affecting women in Canada. According to the Canadian Cancer Society, an estimated 1,600 Canadian women will be diagnosed with cervical cancer in 2024, and 400 will die from the disease.


Working with an experienced broker like Life Buzz can help women who are searching for affordable life insurance with cervical cancer find policies to protect their families.

What is Cervical Cancer, and How Does it Affect Life Insurance?

Cervical cancer starts in the cells lining the cervix, which is the narrow passageway connecting the uterus to the vagina. It develops slowly over time, usually manifesting as precancerous cell changes known as cervical dysplasia. If undetected and untreated, these abnormal cells can progress to cervical cancer.

Several factors can increase a woman’s risk of developing cervical cancer. The primary cause is contracting the human papillomavirus (HPV), a sexually transmitted infection. Other risk factors include:

  • Having multiple sexual partners or a partner with multiple partners
  • Smoking
  • Weakened immune system
  • Long-term oral contraceptive use
  • Multiple pregnancies
  • Diethylstilbestrol (DES) exposure

Fortunately, cervical cancer is highly preventable through regular Pap tests and HPV screening. It also has a high cure rate if caught early. Even so, a cervical cancer diagnosis can impact your eligibility and rates for life insurance coverage.

Insurers will want to review your medical history to assess your prognosis and chance of recurrence. Cervical cancer, especially if treated recently or at a later stage, could result in higher premium costs or difficulty qualifying for preferred pricing on a life insurance policy.

Types of Life Insurance with Cervical Cancer

Types of Life Insurance with Cervical Cancer
Types of Life Insurance with Cervical Cancer

Women with a history of cervical cancer have several life insurance options to explore, including:

Term Life Insurance with Cervical Cancer

Term Life insurance with cervical cancer provides temporary death benefit coverage for a set period, usually 10 to 30 years. They are the most budget-friendly option. Term life insurance with cervical cancer may have higher rates than standard policies, but coverage is still attainable.

Insurers will factor in details like the cancer stage, time since treatment, and number of years cancer-free when assessing risk and setting rates. The further out you are from treatment, the better your chances of lowering your premiums.

Whole Life Insurance with Cervical Cancer

With cervical cancer, whole life insurance offers the benefit of guaranteed coverage. However, expect to pay considerably higher premiums than with term insurance. When exploring this route, look for options like “graded death benefit” for the whole life.

Read more: Whole Life Insurance in Canada

Universal Life Insurance with Cervical Cancer

For those with cervical cancer who want permanent coverage plus cash value accrual, universal life policies can provide more customization of benefits and costs. You may pay more at first but later adjust premiums downward as you get further from cancer treatment.

Related: How Does Universal Life Insurance Work?

Guaranteed Issue Life Insurance with Cervical Cancer

Guaranteed-issue life insurance policies provide coverage to applicants with pre-existing conditions without a medical exam. However, benefit amounts are usually capped at $25,000 to $50,000.

For cervical cancer patients who get declined for medically underwritten insurance, guaranteed issue life insurance offers a way to get at least minimal coverage. Just know the premiums are much higher relative to the low death benefits.

Living Benefits or Accelerated Death Benefits

Consider adding living benefits or an accelerated death benefit rider to a policy instead of buying full life insurance after cervical cancer. These options allow you to access a portion of the death benefit while still living if diagnosed with a terminal illness.

Living benefit riders provide cash you can use for medical treatment. They tend to be less expensive alternatives to big policies for those worried about cancer returning.

How Does Underwriting Work for Life Insurance with Cervical Cancer?

When applying for life insurance after cervical cancer, insurers will thoroughly review your medical records to assess your risk profile. Here are some key factors they will evaluate:

  • Stage of the cancer – Early stage 1 cancers have a better prognosis and lower chance of recurrence than later stage 3 or 4 cancers. The lower the stage at diagnosis, the better for qualifying for life insurance.
  • Time since treatment completed – Most insurers like to see at least two years since you finished treatment before considering standard rates. Many require five years minimum, especially for later-stage cancers.
  • Treatment type – Standard treatments like surgery, radiation, chemotherapy, or a combination will be viewed more favourably than experimental therapies.
  • Ongoing cancer screenings – Having normal Pap and HPV test results for several consecutive years indicates a low risk of recurrence.
  • Overall health – Being otherwise healthy and having good lifestyle habits helps offset the added risk of cervical cancer history.
  • Age – Younger applicants have lower mortality risk in general despite the cancer history.
  • Family history – Increased risk if immediate family members had cervical or other cancers.

Based on their underwriting assessment, life insurance companies will determine your rates and coverage eligibility. Most cases of treated cervical cancer do eventually qualify for standard policies if enough time has passed since active treatment.

Those further out from treatment can often get regular pricing after the first 1-2 years. Cases diagnosed more recently or at later stages may initially get offers for table-rated policies or flat extras.

What Are the Pros and Cons of Life Insurance with Cervical Cancer?


  • Still possible to get life insurance – Having options for coverage is better than none, even at higher rates initially.
  • Lock in insurability – Once approved, can maintain life insurance later into life when cervical cancer risk rises again.
  • Rates may improve over time – Insurers can re-evaluate risk factors and potentially reduce premium costs down the road.


  • Higher premium costs – Expect to pay more, at least at first, compared to healthy applicants based on added risk factors.
  • Need to share personal health details – Must disclose medical history which can feel intrusive, but is necessary for accurate underwriting.
  • Coverage limits may apply – Those with late-stage cancers may only qualify for lower benefit amounts.
  • Possibility of being declined – No guarantees of approval, depending on specific circumstances.

Overall, the pros of having some coverage in place for your family likely outweigh the cons of higher premium rates for most cervical cancer survivors.

Read more: Family Life Insurance

What Does Life Insurance with Cervical Cancer Cost in Canada?

What Does Life Insurance with Cervical Cancer Cost?
life buzz quote in canada new 8 1
What Does Life Insurance with Cervical Cancer Cost?

Costs for life insurance with cervical cancer can vary substantially based on your unique case. Here are some factors that impact pricing:

  • Stage at diagnosis: Later-stage cancers equal higher premium costs
  • Time since treatment: Longer period cancer-free means lower rates
  • Age at application: Younger age gets better pricing
  • Health status: Any other medical issues in addition to cancer also raise rates
  • Lifestyle: Tobacco use, for example, compounds the health risks
  • Benefit amount: More coverage means higher premiums

To illustrate potential costs, here are some sample monthly premium estimates for a $500,000, 20-year term life insurance policy for a non-smoker

  • Diagnosed with Stage 1a three years ago at age 30 – $160/month
  • Diagnosed with Stage 2b one year ago at age 45 – $425/month
  • Diagnosed with Stage 3 seven years ago at age 55 – $375/month

Exact offers will depend on the insurer and their underwriting approach. Getting quotes from multiple carriers helps identify the best rates available for your situation.

Tips for Comparing Life Insurance Policies After Cervical Cancer

If shopping for life insurance following cervical cancer treatment, consider these tips:

  • Compare quotes – Apply with several insurers. Each may assess your risk differently.
  • Consider “simplified issue” offers – Simplified issue policies require limited health questions and provide faster decisions.
  • Review all riders – Look for a waiver of premium riders in case you become unable to work.
  • Ask about re-evaluations – After 1-2 years, you may qualify for reduced premiums based on updated health data.
  • Discuss benefits of waiting – If treatment was very recent, delaying application a year could mean better rates.
  • Maximize health – Get in optimal physical shape before applying. This helps offset the cancer risk.
  • Avoid errors on application – Disclose medical history fully. Mistakes could lead to denial of benefits later.
  • Work with a broker – Brokers have expertise in high-risk cases and access to special underwriting programs.

With an experienced advisor’s guidance, cervical cancer survivors can gain confidence they are getting optimal life insurance protection.

Who Needs Life Insurance After Cervical Cancer?

Here are some common scenarios where maintaining life insurance coverage after cervical cancer helps secure family financial security:

Parents with Dependent Children

Term life or whole life insurance ensures kids will have funds available for needs like:

  • Daily living expenses if a parent passes away
  • College tuition
  • Housing costs
  • Other future milestones like weddings

Surviving Spouse Needs Income Replacement

Life insurance provides income substitution in case of premature death. This helps the surviving spouse maintain their standard of living.

Mortgage or Debt Protection

Benefits from a policy can pay off a mortgage, loans, or final expenses so family members aren’t burdened with unpaid debts.

Estate Planning and Inheritances

Life insurance can fund inheritances or trusts designated in one’s will. Proceeds get passed tax-free to beneficiaries.

Charitable Donations

Some designate a charity as a beneficiary of life insurance. This can make a sizable impact on a meaningful cause.

Helpful Tips for Purchasing Life Insurance After Cervical Cancer

Helpful Tips for Purchasing Life Insurance After Cervical Cancer
Helpful Tips for Purchasing Life Insurance After Cervical Cancer
  • When you are in the process of shopping for life insurance while dealing with cervical cancer, it’s important to keep these tips in mind: Wait 1-2 years after treatment – Applying too soon reduces the chances of approval. Insurers want to see you cancer-free.
  • Gather medical records – Have pathology reports, lab results, and doctor notes available. This facilitates the underwriting process.
  • Disclose all health history – Failing to provide complete details can void the policy later on. Be upfront about the cancer, treatment dates, current status, etc.
  • Compare term vs. permanent policies – Look at the benefits and downsides of different policy types before deciding what works best for your needs and budget.
  • Consider “graded death benefit” options – These provide partial coverage in early years, becoming full benefits if you live cancer-free for 2+ years.
  • Improve health before applying – Get fit with diet and exercise. Showing you are physically strong helps insurers see you as low risk.
  • Quit all tobacco use – Using any nicotine products compounds the health risks and leads to much higher premium costs.
  • Explore group or employee policies first – If you have access to group coverage without medical underwriting through work, start there for the best rates before looking at private individual policies.
  • Work with an independent broker – Brokers have expertise in placing high-risk life insurance cases across multiple carriers. They’ll help you identify suitable options.

Beyond Cervical Cancer, additional common diagnoses such as Thyroid Cancer, Prostate Cancer, Ovarian Cancer, Breast Cancer, Melanoma, etc can impact your chances of securing life insurance coverage in Canada. Check out these helpful articles to gain more insights for Life Insurance with Pre-Existing Conditions in Canada:

Where Can I Buy Life Insurance After Cervical Cancer?

Some top options to consider when purchasing life insurance following cervical cancer treatment:

  • Online brokers – Sites like PolicyGenius, Ladder, and Bestow allow you to compare quotes online easily.
  • Independent insurance brokers – Local brokers have experience with high-risk cases and access to niche products.
  • Direct insurance carriers: Major Canadian insurers like Manulife, Sun Life, RBC Insurance, Canada Life, iA Financial, and Desjardins offer life insurance policies after cervical cancer through their extensive networks of licensed agents, brokers, and financial advisors nationwide.
  • Your employer – Many companies offer group life insurance up to certain limits without requiring health underwriting. Look into whether this could complement an individual policy.
  • Professional or alumni associations – Groups like AARP or alumni networks sometimes offer insurance benefits to members.

Be sure to shop multiple channels when purchasing life insurance with cervical cancer pre-history since options and pricing can vary significantly.

How to File a Claim on Life Insurance with Cervical Cancer

If an insured passes away from cervical cancer after purchasing a policy, beneficiaries need to file a claim to receive proceeds. Here is the typical life insurance claim process:

  1. Obtain certified copies of the death certificate showing the cause of death.
  2. Locate the deceased’s life insurance policy documents. Be ready to provide the policy number.
  3. Inform the insurance carrier of the death, either over the phone or in writing. Ask them to open a claim file.
  4. Please ensure that you fill out all the necessary claim forms that are given to you by the insurance company. These forms are important for processing your claim, and accuracy is crucial to avoid any delays in the process. Supply documentation confirming your identity and relationship to the deceased.
  5. The insurer will have a medical professional review records to confirm cervical cancer led to death. This verifies the validity of the claim.
  6. Once approved, select the payment method – lump sum, installments, etc.
  7. Proceeds get paid out to the designated beneficiaries tax-free within 1-2 months on average.

Expect the claim process to take anywhere from a few weeks for uncomplicated cases or up to 3-6 months for more complex cases requiring deeper investigation.

Conclusion: Life Insurance with Cervical Cancer Provides Vital Protection for Canadians

A cervical cancer diagnosis can be devastating for families on many levels. While treatment and survival rates have fortunately improved over the years, it remains a dangerous disease. Life insurance, even when premiums are higher, is still an essential part of the financial planning process.

The good news is that most women can get covered after cervical cancer through specialty high-risk life insurance policies. Working with a knowledgeable broker is key to finding coverage at reasonable rates. While specific costs depend on your unique case, life insurance remains an affordable way to protect loved ones.

No one wants to dwell on the possibility of dying prematurely. However, cervical cancer survivors need to be proactive and put in place provisions to maintain their family’s financial security in the worst case. Taking the time to purchase adequate life insurance coverage even after cancer provides tremendous peace of mind.

For guidance from Canada’s leading life insurance advisors on obtaining tailored coverage after cervical cancer, contact Life Buzz today and connect with an expert broker in your province.

Frequently Asked Questions (FAQs) about life insurance with cervical cancer

Q: What are the best life insurance companies for life insurance with cervical cancer survivors?

A: Some top life insurance companies for approving those with cervical cancer history include Banner Life, Principal Life, Lincoln Financial, Protective Life, Prudential, and Mutual of Omaha.

Q: Can you get term life insurance with cervical cancer?

A: Yes, term life insurance policies are available even with a history of cervical cancer. Term insurance provides temporary coverage for 10-30 years. Expect rated premiums based on cancer details.

Q: How do I find the cheapest life insurance with cervical cancer?

A: Comparing quotes from multiple insurers is key to finding the cheapest life insurance with cervical cancer. An independent broker can help you identify the most affordable options for your situation.

Q: Will I get denied life insurance with cervical cancer?

A: You may get denied life insurance with cervical cancer if the cancer was diagnosed very recently. Most cases successfully treated over 2+ years ago eventually get offers from specialty insurers, although at higher premium costs.

Q: Can I get life insurance with cervical cancer if I had a hysterectomy?

A: Yes, you can still get life insurance with cervical cancer after a hysterectomy, especially once fully recovered. Removal of the cervix/uterus eliminates the cancer site, but mortality risk remains somewhat elevated.

Q: How long after cervical cancer treatment can I apply for life insurance with cervical cancer?

A: Most experts recommend applicants wait at least 1-2 years after completing cervical cancer treatment before applying for life insurance with cervical cancer to demonstrate stability and lower recurrence risk.

Q: What are the best policy options for life insurance with cervical cancer history?

A: For life insurance with a cervical cancer history, term and permanent cash value policies from insurers specializing in impaired risk cases tend to offer the best approvals and rates.

Q: Will a cervical cancer diagnosis prevent me from getting life insurance with cervical cancer?

A: In most cases, cervical cancer alone will not automatically prevent you from getting life insurance with cervical cancer but rather lead to higher premium offers from specialty insurers after a waiting period post-treatment.

Q: Will life insurance with cervical cancer have an exclusion period?

A: Life insurance policies for those with cervical cancer history may have an exclusion period of 1-2 years where no death benefit is paid if due to a recurrence. After the exclusion period, full coverage kicks in.

Q: How much extra will life insurance with cervical cancer cost?

A: Depending on the specifics, life insurance with cervical cancer may cost 25% to 100% or more above standard rates. Individual quotes provide the exact premium costs based on your health profile.

Q: Can you get supplemental life insurance with cervical cancer history?

A: Yes, you can get supplemental life insurance policies with cervical cancer history, either through an employer-sponsored group plan or private insurer, to complement existing coverage.

Q: Will my cervical cancer diagnosis be a factor when applying for life insurance with cervical cancer?

A: Yes, insurers will thoroughly review your cervical cancer diagnosis, treatment, and current status when assessing your application for life insurance with cervical cancer and will rate your policy accordingly.

Q: Should I disclose my cervical cancer when applying for life insurance with cervical cancer?

A: Absolutely disclose your cervical cancer medical history when applying for life insurance with cervical cancer, providing details on diagnosis date, stage, treatments, remission status, etc. Non-disclosure could lead to a denied claim.

Q: What stage of cervical cancer is most insurable for life insurance with cervical cancer?

A: Stage 1 cervical cancer has the highest approval rates for life insurance with cervical cancer, as early cancers have better prognoses. Stages 3 and 4 will have fewer options and higher premiums if approved.

Article Sources



3. How Cervical Cancer Affects Life Insurance –


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Written by Ben Nguyen

Ben Nguyen is an award-winning insurance expert and industry veteran with over 20 years of experience. He is the chairman and director of IDC Insurance Direct Canada Inc., one of Canada's leading online insurance brokerages.

Ben is renowned for his extensive knowledge of life, health, disability, and travel insurance products. He is the prolific author of over 1,000 educational articles published on LifeBuzz, BestInsuranceOnline, and InsuranceDirectCanada. His articles provide Canadians with advice on making smart insurance decisions.

With a Bachelor's degree in Actuarial Science and a Fellow of the Canadian Institute of Actuaries (FCIA) designation, Ben is frequently interviewed by media as an insurance industry spokesperson.

He has received numerous honors including the Insurance Council of Canada’s Pivotal Leadership Award, the Canadian Insurance Hall of Fame induction, and the President’s Medal from the Canadian Institute of Actuaries.

Ben continues to shape the vision and strategy of IDC Insurance Direct as chairman. He is dedicated to advancing the insurance industry through his insightful leadership.

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