Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 20, 2021

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The Facts of Life

  • One in eight men will be diagnosed with prostate cancer
  • Men with prostate cancer should still be able to find a life insurance policy, but they may pay higher-than-average rates
  • Depending on the stage and grade of your diagnosis, you may want to seek high-risk life insurance coverage

One in eight men will be diagnosed with prostate cancer in the United States. Because of this, life insurance companies that provide life insurance for someone with prostate cancer are fairly common.

How prostate cancer impacts the underwriting of a life insurance policy depends on a variety of factors, but — as prostate cancer is considered an inherent risk for insurance companies — there is a chance that a diagnosis will alter your life insurance options.

Whether you are looking for term life insurance, indexed universal life insurance, or something else, your medical history is likely to be a part of your assessment for insurance coverage.

If you have been diagnosed with prostate cancer, or if prostate cancer runs in your family, life insurance companies that provide life insurance for someone with prostate cancer may still be easy for you to find.

In fact, you can shop around online to find affordable and helpful options that work for your unique needs. If you are looking to buy life insurance for someone with prostate cancer, be sure to use our free quote tool above to compare rates and find the best deals.

Where can you get life insurance if you have prostate cancer?

If you have been diagnosed with prostate cancer, you should still be able to purchase a life insurance policy.

Life insurance companies will certainly assess your medical history and any medical conditions that would cause you to be considered a high-risk policyholder.

But even if you are designated as a higher risk, you will likely still be able to find an insurance policy at a higher rate.

If you currently have a life insurance policy and have been diagnosed with prostate cancer, your diagnosis may not impact your life insurance rates at all. It depends on the type of policy you have and who you have as your insurer.

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How will prostate cancer affect my life insurance?

Once you are diagnosed with prostate cancer, most insurance companies would classify you as having a pre-existing condition. This means that your medical history is automatically a large factor in whether you will be approved for life insurance and what your rates will be.

Individuals with prostate cancer, as well as men in remission, can expect to be asked the following questions when applying for life insurance:

  • How old were you when you were diagnosed with prostate cancer?
  • What type of treatment(s) did you receive?
  • What were your previous prostate-specific antigen (PSA) levels?
  • What are your current PSA levels?
  • What stage and grade did your cancer fall under?
  • What is your Gleason score?

Your answers to these questions will indicate to your potential insurer how much of a risk you are and could determine whether the company is willing to take you on as a policyholder.

Should the insurance company accept your application for life insurance, you may have to pay high-risk rates. This will vary from one insurance company to the next.

Life insurance for prostate cancer survivors may not be difficult for you to find, but this will partly depend on your answers to the questions they ask during your medical exam.

What are the best life insurance companies for someone with prostate cancer?

The best life insurance company for someone with prostate cancer depends on a few factors. The good news is that there are several companies that offer comprehensive options, depending on your life and what you’re looking for in a policy.

If your prostate cancer is considered low risk, or if you have been in remission with no recurrence for at least two years, a company that offers flexible options for low-risk cancer patients and survivors — like Colonial Penn — may work for you.

If you’re looking to get approved without the hassle of a medical exam, you will want to search for a company that does not require exams, like Globe Life.

Additionally, if you have other pre-existing conditions or know you will likely qualify as a high-risk policyholder, you can seek out a company that focuses specifically on high-risk individuals, like Haven Life.

All of this depends on your medical history, your current needs, and what you want for your family in the long run.

If you are searching for affordable life insurance for someone with prostate cancer, you’re going to want to compare rates from many companies before making a final decision.

What life insurance companies don’t offer life insurance to someone with prostate cancer?

Thankfully, there is not a long list of insurance companies that steadfastly refuse to offer coverage to individuals with prostate cancer. This is because most companies would still want to assess each applicant’s medical history and risk before drawing any conclusions.

There may be companies that will be too expensive for you when you’re seeking life insurance coverage after your diagnosis, but the only way for you to know for sure is to shop around for coverage.

When you compare life insurance rates for someone with prostate cancer, you will see very quickly which companies work well for you and which simply are not an option.

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What if I am denied coverage because of my prostate cancer?

If you apply for life insurance and are denied coverage because of your diagnosis, you can always look for options elsewhere.

Just because one company denies you does not mean all of them will. After you have done your homework and decided what types and amounts of coverage you want, you can continue to apply for coverage from other companies.

If your cancer causes excess concern with underwriters, you can always seek out a company that is known for insuring high-risk individuals. You can get life insurance when you have cancer; you just have to know where to look.

Don’t let one denial make you believe you don’t have options when it comes to life insurance coverage. In fact, if you are searching for life insurance quotes for someone with prostate cancer, you can use our free tool below to get started.