Life Insurance for Prostate Cancer Survivors

Being classified as a "high-risk" client comes down to statistics. Life insurance for prostate cancer survivors is not always classified as high-risk because there is a 2.4% chance of passing away from it. In fact, many survivors pay standard life insurance rates. How you are categorized by life insurance companies will depend on many factors, including overall health and the length of your remission.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jul 16, 2021

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The Rundown

  • Many cancer survivors pay standard rates for life insurance
  • Many factors go into determining your life insurance rates, including overall health and how long you have been in remission
  • For those still not able to get standard rates, guaranteed life insurance, and term life insurance policies are available

When looking for life insurance for prostate cancer survivors, you may be prepared to pay high premiums, but that is not always the case.

Keep reading to learn more about the options available and what you can do to help lower your rates.

Do you want to jump right into looking for life insurance for prostate cancer survivors? Enter your ZIP code above, and we will pull up rates available near you.

Can I get life insurance if I have had prostate cancer?

The answer is yes.

According to the American Cancer Society, men have a 12% chance of getting prostate cancer and a 2.4% chance of passing away because of it.

Life insurance companies base their policies on statistics. This means that if a disease or other illness becomes more treatable, it will no longer be classified as high-risk.

Because of these statistics, life insurance after cancer is no longer as difficult to get as it once was.

How affordable life insurance for prostate cancer survivors will depend on a lot of other factors.

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What factors affect my life insurance after prostate cancer?

Read on to learn about the different factors that can affect life insurance rates for prostate cancer survivors.

Overall Health

Life insurance companies are mainly concerned with your life expectancy. If you maintain a healthy lifestyle after your diagnosis and treatment, this can greatly impact your rates.

Not smoking, maintaining a healthy weight, and attending regular screenings and other doctor appointments are big parts of this.


Some cancer treatments are hard on your body and can have lasting effects. Radiation and chemotherapy come to mind, and studies have shown that these treatments age your body on a cellular level.

Length of Remission

The longer you have been cancer-free, the better your life insurance rates will be. The longer you are in remission, the less likely you are to get cancer again in many cases.

What are the most affordable life insurance policies for prostate cancer survivors?

While getting life insurance quotes for prostate cancer survivors can be difficult, once you have been in remission long enough, you may be able to get any life insurance policy you want at an affordable rate.

The healthier you are, the more likely you will find yourself in a standard life insurance class and be eligible for affordable rates.

If you are struggling to recover and are not healthy just after treatment, the easiest way to buy life insurance for prostate cancer survivors is through a guaranteed life insurance or term life insurance policy.

Guaranteed life insurance policies are not available to those under the age of 50 and are generally very expensive. However, they do approve everyone regardless of their health.

Some term life insurance policies will offer a no-medical exam option and may take those who are recovering from prostate cancer. Term life insurance rates can be very affordable for those in early remission.

Now that you know more about finding a life insurance company for prostate cancer survivors, enter your ZIP code below, and we will help you find affordable rates you can apply for today.

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