Burial Insurance for Cancer Survivors

A history of cancer doesn’t mean you can’t get affordable burial insurance for cancer survivors.. At Diversified Insurance Brokers, we specialize in helping cancer survivors secure coverage that protects their loved ones from final expenses. With access to 75+ carriers and decades of underwriting experience, we know which companies are most favorable toward applicants with past cancer diagnoses—and how to get you the best possible rates.

Whether you had breast cancer, prostate cancer, skin cancer, or another form, burial insurance (also called final expense insurance) can provide peace of mind knowing your family won’t be burdened with funeral costs, medical bills, or other end-of-life expenses.

🖊️ Request a Personalized Burial Insurance Quote

We’ll compare policies across multiple carriers to help you find the most affordable burial insurance options as a cancer survivor.

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Can Cancer Survivors Qualify for Burial Insurance?

Yes—many carriers provide affordable burial insurance to cancer survivors, though approval and pricing depend on the type of cancer, how long you’ve been in remission, and your overall health. Even with more recent cancer histories, guaranteed issue burial insurance ensures you can still secure protection.

In remission 2+ years: Many carriers may offer level death benefit coverage at standard rates.
In remission 1–2 years: You may qualify for graded benefit plans (full coverage after 2 years).
Currently undergoing treatment: Guaranteed issue policies are available with no medical questions asked.

Why Burial Insurance Is Important for Cancer Survivors

Final Expenses Covered: Protect loved ones from the rising cost of funerals, typically $10,000–$15,000.
No Medical Exams: Most burial insurance is simplified issue or guaranteed issue—just answer a few health questions.
Fast Approval: Coverage can often be issued within days.
Peace of Mind: Your family won’t face financial stress during a difficult time.

Burial Insurance Calculator

Use our tool to compare real-time burial insurance rates instantly:

Case Example

Linda, age 58, survived breast cancer five years ago and is in full remission. She was declined by a direct-to-consumer company but came to us for help. We matched her with a top carrier that specializes in cancer survivor underwriting and secured her a $20,000 burial policy with level benefits and affordable premiums. Her family now has the assurance that her final expenses will be covered.

Compare Options and Find Your Best Fit

Choosing the right burial insurance is about more than cost. It’s about making sure the coverage is guaranteed to pay when your family needs it most. That’s why we shop dozens of carriers on your behalf, including guaranteed issue, graded, and level benefit options, so you can feel confident you’re protected.

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Why Work With Diversified Insurance Brokers?

Since 1980, Diversified Insurance Brokers has been helping families secure life insurance and annuities nationwide. We understand the challenges cancer survivors face and know exactly which carriers are most lenient. With access to 75+ top-rated insurers, we’ll match you with the best burial insurance solution for your needs. Learn more about why clients choose us.

Get Your Burial Insurance Quote

We’ll help you compare policies for cancer survivors and secure the most affordable option available—without delays or frustration.

Request a Personalized Quote

FAQs: Burial Insurance for Cancer Survivors

Can cancer survivors qualify for burial insurance?

Yes. Many insurers offer simplified-issue final expense policies to cancer survivors, and guaranteed-issue options exist when health histories are more complex.

How long after treatment should I wait to apply?

It varies by carrier and cancer type. Some accept applicants after a documented remission period, while guaranteed-issue policies can be available sooner if needed.

Will I need a medical exam?

Usually no. Most burial insurance uses simplified underwriting with health questions only. Guaranteed-issue plans ask no health questions at all.

What if I’m still taking follow-up medications?

Maintenance or preventive medications are common after treatment. Carriers evaluate them case-by-case; guaranteed-issue remains an option if simplified underwriting isn’t available.

What is a graded death benefit and how does it affect me?

Many guaranteed-issue policies pay a limited benefit for natural causes in the first 2–3 years (often return of premium plus interest). After the graded period, the full benefit is payable.

How much coverage do cancer survivors typically buy?

Common face amounts range from $5,000 to $25,000, sized to expected funeral and final expenses. Higher amounts may be available depending on age and underwriting.

Are premiums higher for cancer survivors?

They can be, depending on diagnosis, time since treatment, and overall health. We compare multiple carriers to find the most favorable pricing for your profile.

What’s the difference between simplified-issue and guaranteed-issue policies?

Simplified-issue asks health questions and often costs less with immediate coverage for many applicants. Guaranteed-issue asks no questions but typically includes a graded period and higher premiums.

Can I be declined because of my cancer history?

Some carriers may decline recent or certain cancers under simplified-issue, but guaranteed-issue options can provide coverage regardless of health history.

How fast can I get covered?

Many simplified-issue applications are decisioned within minutes to a few days. Guaranteed-issue approvals are often immediate after basic eligibility checks.

Will my policy cancel if cancer returns?

Final expense whole life is typically guaranteed renewable for life as long as premiums are paid. A later health change generally does not cancel an in-force policy.

How are claims paid to my beneficiaries?

Your beneficiary files a claim with a death certificate. Once approved, insurers usually pay the benefit promptly so funds are available for final expenses.

Prefer to speak with someone? Call 800-533-5969.