Can you get life insurance after cancer?

According to the latest Cancer Research UK data for 2025/2026, the frequency has intensified slightly. It is now estimated that someone is diagnosed with cancer every 90 seconds in the UK.

If you’ve recently had treatment for cancer, the experience may have left you feeling anxious about the future, particularly if you have dependents that rely on your income. Life insurance can help ease that anxiety and cushion loved ones from financial stress. To help you understand your options, we look at whether you can get life insurance after cancer.

What does life insurance cover?

If you pass away, life insurance pays out money to your beneficiaries. You can specify who your beneficiaries are, usually it’s your dependents and other family members.

Life insurance payouts are usually given as a lump sum, but they can also be made as regular payments depending on the type of policy you have. You can also specify how the money should be used, for example, to pay off a mortgage or to cover university costs for your children.

Can I get life insurance after cancer?

You can, but it could be harder to find life insurance and it could cost more compared to someone who hasn’t had cancer. However, bear in mind that some insurers may decline cover altogether.

To better understand the risk, insurers will ask you detailed questions about the type of cancer you had, what stage it was at and how you were treated. Insurers may also ask your doctor or oncologist for more information (with your permission), so they can accurately and fairly consider your application.

While a five-year remission period is a traditional benchmark, 2026 underwriting is increasingly specialized. For early-stage localized cancers (such as Stage 0 or 1), some insurers may offer cover immediately after successful treatment. For more complex cases, insurers may require a seven to ten-year symptom-free period to offer 'standard' rates without an increased premium (loading).

Can I get life insurance if I’ve been diagnosed with cancer?

If you’ve just been diagnosed with cancer, you could struggle to find life insurance, but again, insurers will assess the risk based on your own circumstances.

How the Equality Act can help prevent discrimination after a cancer diagnosis

Cancer is classed as a disability under the Equality Act. This means insurance providers cannot make blanket decisions or assumptions about you because of your disability. In other words, they cannot make you pay more for your policy or refuse your application simply because you either have or have had cancer.

Instead, they must make decisions using factual and relevant information only—for example, by asking your oncologist for details. You can, however, be refused a policy or be charged more based on what your medical records report.

What happens if I’m diagnosed with cancer but already have life insurance?

As long as you keep up to date with your premiums and your details were correct at the time you bought the policy, it will remain in place.

It’s worth bearing in mind that after a cancer diagnosis, it could be difficult to increase the value of your life insurance payout (the sum assured). This should change after you’ve been in remission for a couple of years.

How much is life insurance for cancer survivors?

Life insurance premiums are affected by a whole range of factors, including:

Does a family history of cancer affect life insurance premiums?

It can do, but it will depend on the type of cancer. For instance, if family members have suffered from certain types of cancer that can be inherited, this can lead to an increase in your premiums.

Examples of cancers that can be inherited include: bowel, ovarian and breast cancer.

Importantly, under the Code on Genetic Testing and Insurance, UK insurers cannot ask for or use the results of a predictive genetic test (such as the BRCA gene test) for life insurance policies up to £500,000. They can still ask about your family’s medical history (actual diagnoses), but they cannot penalize you for taking a test to identify future risks.

What happens if I can’t get life insurance after cancer?

If you can’t find life insurance after you’ve had cancer, you could get it by asking insurers to exclude it from your policy. This would mean if the cancer returned and you passed away because of it, the policy would not pay out. It would still compensate your beneficiaries if you died for any other reason (unless it was an exclusion, for example, death by suicide).

Another option to consider is an over 50s life insurance plan. These are designed for people over the age of 50 up to 80 or 85 years old and will provide your beneficiaries with a lump sum when you pass away.

Some insurers will limit the payout whereas others will let you choose the amount – just remember, the higher the sum assured, the higher your premium is likely to be.

Over 50s life insurance plans offer 'guaranteed acceptance' with no medical questions, making them an option regardless of a cancer diagnosis. However, be aware that these plans typically include a 'waiting period' (usually the first 12 to 24 months). If you pass away from an illness during this initial period, the policy will generally only refund the premiums paid rather than paying the full sum assured.

Should I get life insurance?

If you have family that relies on your income, life insurance could be something worth considering. The money your loved ones receive can help ease financial pressure at a difficult time.

If you do decide to take out a policy, consider how much cover your family would need to remain financially secure. A common starting point is the "10 times salary" rule; MoneyHelper suggests that a very rough rule of thumb is to aim for a payout that is 10 to 15 times your annual income. For someone earning £35,000, this would result in a sum assured of at least £350,000.

However, for a more precise 2026 calculation, many UK financial experts now recommend a "needs-based" approach, often referred to by the acronym DIME. This method helps you look beyond just your salary to cover specific UK costs:

While the acronym originated in the US, UK specialist advisors like Reassured highlight that using these specific "needs-based" components—Debt, Income, Mortgage, and Education—provides a far more accurate safety net than a simple multiplier.

Looking at your outgoings in such detail might lead to a higher sum assured and slightly higher premiums. Nevertheless, it ensures your dependents avoid financial stress and covers immediate concerns like funeral costs, which now average between £4,000 and £5,000 in the UK. As with any major financial decision, it is advisable to speak with a professional financial advisor.

For more information about life insurance and how to choose a policy, take a look at our in-depth guide.