Life Insurance with a Cancer History in Idaho

A past cancer diagnosis can make life insurance feel intimidating – but many people with a cancer history can still get coverage.

I’m Chris Antrim, an independent agent in Boise. I help Idaho clients who’ve battled cancer figure out what’s possible now, based on where they are in their recovery.

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How Insurers View Cancer History

Insurers don’t automatically decline you just because you take blood pressure medication. Insurance companies look very closely at:

What they care about is:

Type of cancer
Stage at diagnosis
Treatment type (surgery, chemo, radiation, etc.)
Dates of diagnosis and completion of treatment
Whether the cancer has recurred
Ongoing follow-up and scans
Any lasting complications

Some cancers have shorter waiting periods before traditional coverage is possible again; others are longer.

Information I’ll Need

To place your case properly, I’ll ask about:

Exact type of cancer (e.g., breast, prostate, skin, colon, lymphoma)
Approximate stage (if you know it)
Treatment dates and completion date
Any recurrence or metastasis
Current status (in remission, under active treatment, etc.)
Any other major health conditions

You don’t have to know every detail, but close estimates help.

Policy Options After Cancer

Depending on your situation, we might consider:

Traditional term or whole life – often possible after enough time has passed in remission for certain cancer types.

Simplified issue final expense – more accessible underwriting, smaller amounts.

Guaranteed issue – for serious ongoing or recurrent cases where traditional coverage is not likely.

For some clients, we start with guaranteed issue or small final expense and upgrade later if your health picture improves and underwriting windows open back up. Also, learn more about high BMI life insurance.