Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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Facts You Should Know

  • Prostate cancer survivors life insurance rates average $36.01 per month
  • Typically, prostate cancer survivors can qualify for traditional life insurance at the standard or substandard rating tier
  • Your age, medical record, and lifestyle habits also impact the cost of your life insurance

Fortunately, it’s possible to qualify for life insurance after prostate cancer. Prostate cancer survivors’ life insurance rates cost $36.01 per month on average.

Below, compare sample prostate cancer survivors’ life insurance quotes and learn how to secure cheap monthly premiums.

After you learn how to buy prostate cancer survivors’ life insurance, enter your ZIP code into our free rate tool above to receive quotes from the top companies near you.

What are the average life insurance rates for prostate cancer survivors?

If you’re in remission from prostate cancer, you can still earn affordable life insurance quotes averaging $36.01 per month.

However, your policy options and costs depend on the treatment you received, your current health status, and your future prognosis.

People in average health usually earn standard life insurance premiums. But you might get substandard rates because of your higher-risk medical history.

Compare standard monthly term life insurance rates for a 20-year policy with a $250,000 death benefit to the substandard rates relevant to prostate cancer survivors.

Average Monthly Term Life Insurance Rates for Prostate Cancer Survivors: Standard vs. Substandard Rates
AgeAverage Standard Monthly RatesAverage Substandard Monthly Rates (25% Increase)
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Because life insurance providers use different formulas to calculate rates, you must shop around for the best prostate cancer survivors’ life insurance company near you.

Regardless, you should expect prostate cancer survivors’ life insurance quotes to be slightly higher than average.

To earn your lowest possible costs, maintain proper health for at least one year after remission before applying for coverage. If your cancer was more advanced, wait longer.

Always follow up with your doctor, and be honest about your medical past on your application.

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How does surviving prostate cancer impact life insurance?

Cancer of any kind is a red flag to life insurance providers. In the past, prostate cancer survivors struggled to qualify for term life insurance or whole life insurance at the standard rate.

However, early detection for this type of cancer has improved, and the survival rate has also increased.

According to the Centers for Disease Control and Prevention (CDC), prostate cancer is the second most common cancer among men, but the death rate has steadily declined since 1999.

Therefore, it’s now easier to earn cheap life insurance for prostate cancer survivors.

Expect life insurance companies to analyze the following information:

  • Your age at the time of the diagnosis
  • Stage and grade of your cancer following the traditional Gleason score
  • Treatment
  • Date of your final treatment
  • Prostatis Specific Antigen levels (PSA)
  • Your compliance with medical follow-ups and testing

Know that age is a significant contributing factor to life insurance costs, and prostate cancer is sporadic in men under 60.

Older prostate cancer survivors may need to look into guaranteed issue life insurance or burial insurance if traditional coverage gets denied.

Prostate Cancer Life Insurance Rates: The Bottom Line

These days, it’s much easier for prostate cancer survivors to secure cheap life insurance rates.

Can you get life insurance if you have prostate cancer? Typically, you’ll be denied coverage in this situation. Wait to apply until you’ve been in remission for at least one year.

Finally, does life insurance payout for prostate cancer? Yes, if you pass away from prostate cancer, your beneficiary will receive the death benefit.

Now that you’ve compared affordable prostate cancer survivors’ life insurance rates, start shopping for your best coverage by entering your ZIP code into our free rate tool below.