A history of cancer doesn’t mean you can’t get life insurance. Many Australians are able to secure cover after treatment and remission — but approval depends on the type of cancer, the stage, and how long you’ve been cancer-free.

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At Covermate Life, we help people with a history of cancer navigate insurer rules, compare policies, and find the best chance of approval.

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How Cancer Affects Life Insurance

When applying for cover, insurers will usually consider:

• Type of cancer (e.g. skin, breast, prostate, bowel, blood)

• Stage and grade at diagnosis

• Treatment received (surgery, chemotherapy, radiation, immunotherapy)

• Remission period – how long since treatment ended

• Recurrence risk

• Follow-up tests and ongoing health

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Can You Get Life Insurance After Cancer?

Yes – but the outcome varies:

• Some insurers require a certain remission period (e.g. 2–5 years).

• Premiums may be higher in the early years after treatment.

• Certain cancers may attract exclusions.

• For some aggressive or recent cancers, cover may be postponed or declined.

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Every insurer has different underwriting guidelines. That’s why comparing providers is essential.

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How Covermate Life Helps

• We know which insurers are more flexible for people with cancer history.

• We help you prepare your application with the right medical details.

• We approach the insurers most likely to offer terms.

• We provide general advice only and help you compare options side by side.

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Tips for Applying After Cancer

• Have up-to-date medical records ready.

• Provide specialist letters confirming remission and ongoing health.

• Demonstrate regular follow-ups and screenings.

• Show healthy lifestyle habits to reduce other risks.

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Frequently Asked Questions

How long after cancer can I apply for life insurance?
It depends on the type of cancer and treatment. Some insurers will consider applications after 2 years in remission, others may require longer.

 

Will my premiums be higher if I’ve had cancer?
Possibly. Premiums can be loaded for several years after remission, but some insurers reduce them over time.

 

Does life insurance cover cancer relapse?
Yes, if you’re approved for full cover without exclusions. Some policies may exclude recurrence of the same cancer.

 

What if I’m declined by one insurer?
That doesn’t mean all insurers will decline you. Each has different rules. Covermate Life helps find the ones most open to your situation.

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Next Step

If you have a history of cancer and want life insurance, Covermate Life can help you compare policies and find the right solution.