Best Life Insurance for Cancer Patients & Survivors in 2025

Legal & General earns a Comdex (rating based on four insurance rating companies) score of 95 because of its excellent financial stability and ability to meet financial obligations, like paying life insurance claims. While J.D. Power didn’t include it in their top 21 best life insurance companies for customer satisfaction, it earned a "great" Trustpilot score of 4 out of 5 stars from over 2,000 reviews.

You can pick between from term or universal life insurance. The type of cancer and date of onset determine your rating with Legal & General. Family history of cancer won't disqualify cancer survivors unless it involves hereditary cancer.

Legal & General offers term life coverage for up to 40 years with a minimum coverage amount of $100,000. You can include short-term riders on your policy and get up to $10,000 in children's term coverage at a flat rate for multiple children. Universal life coverage starts at $50,000 with issue ages from 20 to 75.

Without a finding of hereditary cancer, you can get a quote online using the LGA QuickQuote tool for term life insurance. Quotes for universal life insurance must go through the company. Legal & General offers flexibility for some pre-existing conditions, including anxiety, depression, asthma, mitral valve prolapse, osteoporosis and non-melanoma skin cancers. You can use the company's website to learn about its life products and file a life insurance claim.

Nationwide earned fifth place in the J.D. Power 2024 Individual Life Insurance Study, with 666 out of 1,000 points for customer satisfaction. The company also has an excellent financial strength rating of A+ from AM Best, showing its reliability in paying claims.

Nationwide offers term, whole life and universal life insurance products. Skin cancer survivors may be eligible for preferred plus rates, while those with other cancer diagnoses can qualify for standard rates.

Term life insurance is available for cancer survivors ages 18 to 70. Whole life and universal life policies allow some applicants to get approved up to age 85. Both term and universal life have a $100,000 coverage minimum, while whole life starts at $10,000 for those with smaller life insurance needs.

When applying for life insurance as a breast cancer survivor, expect to provide the grade or staging, treatment protocol, age at onset, time since diagnosis and other details for coverage. The provider will request the same information for prostate cancer and other internal cancer survivors.

Applicants who completed cancer treatment without chemotherapy or radiation over 10 years ago may qualify for the standard plus rating. This rating also allows for one immediate family member who died before age 60 from cancer or cardiovascular disease. These rating guidelines make Nationwide one of the more affordable companies for life insurance after cancer. Nationwide offers brochures and policy details online, but you can only find quotes for term life.

Transamerica balances affordability with broader eligibility than many competitors. Most survivors encounter stricter underwriting, but Transamerica offers coverage after a remission period, particularly for skin, thyroid and other low-mortality cancers. Final expense policies make smaller coverage amounts accessible for those who can't qualify for traditional term or universal life. Strong financial stability and built-in living benefit riders provide reliable, budget-friendly protection for survivors.

Transamerica offers term life insurance policies with coverage from 10 to 30 years and flexible death benefit amounts. Universal life insurance products include Guaranteed UL and Indexed UL for long-term protection and potential cash value growth.

For smaller, affordable coverage, Transamerica offers final expense or burial insurance starting at approximately $2,000, making it accessible for cancer survivors who can't qualify for larger policies.

Transamerica offers tools to improve accessibility and affordability. The Placement Improvement Program can upgrade certain applicants to a Standard rating class, reducing premiums. Many policies come with living benefit riders at no extra charge, giving policyholders access to part of their death benefit for critical, chronic or terminal illness. Underwriting for cancer survivors is handled on a case-by-case basis, with detailed reviews of medical history to determine eligibility and rating classes.

Pacific Life placed 7th in the J.D. Power 2024 U.S. Individual Life Insurance Study with a score of 657/1,000, indicating above-average satisfaction versus the study average. The company maintains an A+ (Superior) financial strength from A.M. Best. Complaint data reported by regulators indicate a complaint level well below 1.00 on NAIC’s index (fewer complaints than expected for size).

Pacific Life’s consumer lineup centers on term life (PL Promise Term) and universal life options (including guaranteed-UL, indexed UL, and VUL). PL Promise Term features a $50,000 minimum death benefit, available term periods (10–30 years), and access to the accelerated underwriting program (PAL+) for qualifying applicants.

Pacific Life supports applicants with a history of cancer through individualized underwriting. According to internal broker guidelines, applicants with basal or squamous cell skin cancers may qualify for preferred classes, while survivors of non-skin cancers are more likely to be considered for Standard ratings at best, depending on the cancer type, stage, treatment and length of remission. Applicants who have undergone chemotherapy or radiation within the past year generally face additional scrutiny.

Pacific Life’s PAL+ no-exam pathway directs eligible applications through the least invasive process, while others move to modified or traditional underwriting that often requires exams and attending physician statements.

In addition, the PL Promise Term policy includes a built-in accelerated death benefit rider for terminal illness at no extra cost.

Mutual of Omaha is among the most recognized names in the life insurance industry. It earned sixth place for customer satisfaction, scoring 659 out of 1,000 points in the J.D. Power Life Insurance Study and holds an A+ rating from AM Best.

Mutual of Omaha offers term, universal and guaranteed acceptance whole life insurance. The company offers individual consideration to applicants after cancer treatment, particularly those in remission for up to five years. Depending on other health conditions, applicants in remission for more than five years may qualify for preferred ratings.

Applicants ages 45 to 85 can apply for up to $25,000 in guaranteed acceptance whole life insurance with no medical exams or health questions. The same age group can get lower rates by answering a few health questions on the simplified issue whole life application.

Term life insurance starts at $100,000 for ages 18 to 80, with level coverage for up to 30 years. Universal life products start at age 18 with $25,000 in coverage. Children up to age 17 can get up to $50,000 in simplified-issue whole life insurance.

You can get term and whole life insurance quotes online, but not universal life insurance. Mutual of Omaha offers guides and resources online about its products. The company uses flexible underwriting guidelines, especially for applicants who are a few years past cancer treatment and are otherwise healthy.