Burial Insurance: The Ultimate FAQs

Can I Get Burial Insurance If I Have Cancer?

For individuals with a history of cancer, life insurance is typically purchased to cover expenses during the final years or in case of death. A burial policy can help pay for your funeral and burial costs if you die prematurely. Not everyone who’s had this type of surgery is eligible to buy life insurance; however, certain companies will offer coverage to those who’ve been successfully treated or are still undergoing treatment.

Getting Approved For Burial Insurance With Cancer

Life insurance can be an important tool for people with a history of cancer. A burial policy, which covers the cost of funeral services and/or burial costs when you die, is one popular form of life insurance that’s available to individuals who have had cancer.

Burial policies are typically sold in increments of $5,000; however, some policies may cover as much as $100,000 worth of non-specific expense(s).

When buying a burial policy, you must select a company that won’t discriminate against high-risk applicants. In addition, you’ll need to consider whether you want coverage for specific situations (e.g., accidental deaths only), pre-existing illnesses, and any time limit on when your policy kicks in (after being diagnosed).

What If You Need More Coverage?

It’s also important to note that many burial insurance plans usually have maximum death benefits, varying by company and state.

If you live in a state with a high cost of living, you may need more coverage; moreover, if you don’t like any of the options available from an insurer or agent, other financial institutions—including banks—offer life insurance policies. For example, Citizens Bank provides various life insurance policies (at varying costs) for individuals with cancer and other pre-existing conditions. There aren’t time limits on how long you have to wait before applying for these types of coverage; however, once again, it’s important to note that your rates will typically be higher than if you had applied within two years of completing treatment.

Life Insurance After Cancer

When considering buying life insurance after undergoing cancer treatment, there are several factors to consider. Some of these include:

  • The type of cancer you had. This helps determine your eligibility for a specific life insurance policy and what type of coverage will be available. For instance, if you had colon cancer, your rates may not be as favorable as those diagnosed with skin cancer.
  • There also needs to be a greater length of time since treatment ended before you can purchase full-value policies (e.g., 20 years). In addition, some companies do not provide coverage for situations such as accidental deaths or illnesses associated with the use of chemo or radiation therapy.
  • The amount of time between your initial diagnosis and when you purchase a life insurance policy. Typically, the longer you wait to buy coverage after undergoing treatment, the less your rates for burial or whole life insurance. However, certain companies may still offer affordable plans even if you waited up to five years after your initial diagnosis before purchasing a policy. Your health status (i.e., whether it’s getting better or worse) can also play an important role in determining what type of coverage you qualify for and how much it will cost.


With the help of a knowledgeable agent, you can answer these questions about whole life insurance and make an educated decision about what’s right for you. While it may take some time to find an affordable plan that’s right for your particular needs, many companies offer affordable burial insurance policies, even in high-risk situations like those associated with cancer.

After all, having this type of coverage doesn’t have to be difficult or expensive; when getting life insurance after cancer treatment, it is important to remember that low premiums aren’t necessarily synonymous with poor service.

In fact, by carefully comparing costs and researching available plans before making a decision (as well as asking lots of questions), you’ll be able to find an affordable plan the provides the exact coverage you need.