Life Insurance for Leukemia
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we specialize in helping clients with a history of leukemia secure life insurance coverage that meets their needs and budget. With decades of experience and access to over 100 top-rated carriers, we know how to navigate the unique underwriting challenges leukemia survivors face. Whether you are in remission or still within a monitoring period, we can help identify the carriers most likely to approve your application and offer competitive rates.
Life Insurance with Leukemia History
If you’ve had leukemia, it doesn’t mean you’re uninsurable.
At Diversified Insurance Brokers, we specialize in helping cancer survivors secure affordable coverage tailored to their situation.
Speak with an expert who understands life insurance considerations for leukemia survivors.
How Leukemia History Impacts Life Insurance
Life insurance companies carefully review leukemia cases during underwriting. Key factors they consider include:
- Type of Leukemia: Acute lymphocytic leukemia (ALL), acute myeloid leukemia (AML), chronic lymphocytic leukemia (CLL), or chronic myeloid leukemia (CML) each have different risk profiles.
- Stage and Treatment: Early diagnosis and successful treatment generally lead to better outcomes.
- Time Since Remission: Many carriers require 5–10 years of remission before considering standard or preferred rates.
- Ongoing Monitoring: Regular follow-up with clear test results can strengthen your application.
- Age at Diagnosis: Younger age at diagnosis can sometimes result in more favorable terms after remission.
Who This Coverage Is Best For
This type of high-risk life insurance is ideal for:
- Individuals in remission from leukemia with stable health
- Applicants who have been previously declined due to leukemia history
- Those seeking coverage to protect family, business, or estate plans
- Survivors with strong follow-up records and no recent recurrence
Why Work With Diversified Insurance Brokers
We’ve helped many leukemia survivors get the coverage they thought was out of reach. Here’s what sets us apart:
- Access to 100+ A-rated carriers: We know which companies have the most favorable underwriting for leukemia cases.
- Specialized underwriting experience: We know how to present medical history in the most favorable light.
- Personalized approach: We match you with the right carrier for your unique situation.
- Confidential process: Your health information is handled discreetly and securely.
Example Case
A 48-year-old woman diagnosed with chronic lymphocytic leukemia (CLL) had been in remission for 7 years. Several insurers had declined her. We connected her with a carrier that specializes in underwriting certain leukemia cases, and she secured a $200,000 20-year term policy at a standard rate, saving more than $600 annually compared to other offers.
FAQs: Life Insurance for Leukemia
Can I get life insurance if I had leukemia?
Yes—having leukemia in your history does not mean you can’t get coverage. Outcomes depend on the type of leukemia, treatment success, remission status, and how well your current health is.
What leukemia types impact underwriting differently?
Acute vs. chronic types are viewed differently. For example, ALL or AML are considered higher risk if recent or not in remission; CLL or CML with long remission or stable monitoring tend to be more favorable.
How long in remission helps for better rates?
Carriers often require **5-10 years** of remission before considering standard or preferred rates. Shorter remission periods tend to lead to higher ratings or limited offer options.
What medical follow-up or monitoring strengthens my application?
Regular check-ups with oncologists or hematologists, updated test results showing normal or stable counts, and no evidence of recurrence or complications are key to improving underwriting outcomes.
Who is this coverage best suited for?
This works best for leukemia survivors with stable health, good follow-up records, and a significant period of remission. Also for those who want protection for family, business or estate planning.
Why work with Diversified Insurance Brokers for leukemia cases?
We have strong experience with high-risk underwriting, know which insurers are more favorable for leukemia survivors, access to over 100 rated carriers, and know how to present your medical history to improve your offer.
Diversified Insurance Brokers specializes in helping high-risk applicants secure coverage, even after serious health conditions.
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About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
