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Can you get no-exam life insurance with a cancer history?

Yes, depending on how long ago and what type. Simplified issue is the common route once you are past the postpone period, though many applications ask about cancer within a stated number of years as a knockout question.

A cancer history and no-exam cover are compatible, with one thing to read carefully first.

The knockout question

Most simplified issue applications include a question along the lines of “have you been diagnosed with or treated for cancer in the last X years”. The number varies by carrier and by product. Answering it honestly is not optional — and if the answer disqualifies you at one carrier, another with a shorter window may still write it.

This is precisely the situation where the spread between carriers is worth more than the spread on price.

Accelerated underwriting

Accelerated programs will surface a cancer history in the data whether or not the application mentions it, and will usually route the file into underwriting">full underwriting. For a well-documented, long-clear history that may still produce a good outcome — it just will not be fast.

Guaranteed issue

Always available, no questions asked. The right answer inside a postpone period, and an expensive answer outside one.

The thing worth doing first

Find out how long since active treatment ended and get your pathology report. Those two facts determine which of the routes above is realistically open, and our guides to breast cancer and lung cancer work through how the specifics are assessed.

This is research, not advice. No Exam Life Insurance Online is an independent publisher, not a carrier or agency, and sells nothing. Underwriting outcomes vary by carrier, by state and by individual file, and carriers revise their guides without notice. Confirm anything that affects a decision with an agent licensed in your state before you apply.

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