At Diversified Insurance Brokers, we specialize in helping clients with a history of breast cancer secure life insurance coverage through our network of over 100 top-rated carriers. With decades of underwriting experience, we know which companies are most receptive to cancer survivor applications, how to present your medical history to underwriters in the best light, and how to find the most competitive rates. A breast cancer diagnosis does not mean you can’t get coverage—we help clients every day secure policies that protect their loved ones and their financial future.

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How Breast Cancer Impacts Life Insurance

Life insurance companies review breast cancer history carefully to assess risk. Some of the main factors they evaluate include:

• Stage and Grade: Lower-stage cancers with favorable pathology reports often lead to better underwriting results.
• Time Since Treatment: Many carriers require 1–5 years of remission before offering preferred rates.
• Treatment Type: Surgery, chemotherapy, radiation, or hormonal therapy history can influence offers.
• Recurrence History: Consistent follow-up exams and clear scans weigh heavily in your favor.
• Hormone Receptor Status: ER/PR and HER2 status may be considered during underwriting.

Who This Coverage Is Best For

This type of high-risk life insurance is a good fit for:

• Breast cancer survivors currently in remission
• Applicants with early-stage or low-grade cancer history
• Individuals with strong follow-up care and no recurrence
• Those who have been declined elsewhere due to cancer history

Why Work With Diversified Insurance Brokers

We’ve helped many clients secure affordable coverage after a breast cancer diagnosis. Here’s why they choose us:

• Access to 100+ A-rated carriers: We know which insurers are the most flexible for cancer survivors.
• Expert case presentation: We highlight your stability, follow-up care, and positive medical records.
• Specialized experience: Our team understands how breast cancer history impacts underwriting and rates.
• Confidential, supportive process: Your information is handled with care and privacy.

Example Case

A 52-year-old woman diagnosed with stage I breast cancer had been in remission for 4 years. She had been turned down twice before contacting us. We matched her with a carrier experienced in post-cancer underwriting and secured a $300,000 20-year term policy at a standard non-smoker rate—saving her over $600 per year compared to previous quotes.