Life Insurance with Thyroid Cancer

Can I get affordable life insurance with thyroid cancer?

Individual’s that suffer from thyroid cancer may think affordable life insurance is hard to obtain. Fortunately, you have landed on the right page. We are experts in finding the most affordable rates for individuals looking for life insurance with thyroid cancer.

Unfortunately, the incidence of thyroid cancer is increasing. This could be due to increased detection and clinical awareness. When looking for life insurance with thyroid cancer it is imperative that you work with an agent that specializes in this area.

The agent plays a vital role in finding the company that will offer the most competitive rate in the marketplace. The agent who understands this market will already know the company’s that specialize in underwriting life insurance with thyroid cancer.

This will save the client not only time, but money as well in lower premiums.

What information is needed to find affordable life insurance with thyroid cancer?

It is important to understand what the underwriter will be looking for when evaluating the risk for life insurance with thyroid cancer.

Knowing the type of thyroid cancer you have been diagnosed with and knowing some additional information will help you in relaying this to your agent. Here are some basic sub types of thyroid cancer:

  • Papillary– this is the most common type. Papillary, papillary-follicular, and follicular are considered “differentiated” and have a good prognosis, particularly at ages 20 to 40. Unfavorably pathological sub types of thyroid cancer include tall cell, columnar, solid (trabecular), clear cell, and diffuse sclerosing.
  • Follicular– cancer that is “widely invasive” as opposed to “minimally invasive” through the capsule or showing vascular invasion tends to be more aggressive at presentation. Hurthle and insular cancer are more aggressive forms of follicular cancer.
  • Medullary– cancer appears sporadically, as part of familial medullary cancer, or as part of multiple endocrine neoplasia. Stage I medullary has a good prognosis while higher stages do not.
  • Anaplastic– type of any thyroid cancer has a grave prognosis.

When an underwriter is evaluating the risk for life insurance with thyroid cancer they are typically wanting to know the staging of the cancer. This is usually found in the pathology report. This report gives the underwriter valuable information when determining which risk class to place an individual.

The TNM is the most common staging. This stands for tumor, nodes, metastasis. An example of a staging on a thyroid pathology report may look like this:

  • Stage T1- less than 2 cm
  • Stage T2- 2-4 cm
  • Stage T3- great than 4 cm, but limited to the thyroid or with minimal extra-thyroid extension
  • Stage T4- tumor of any size that extends beyond the capsule into the subcutaneous soft tissues and nearby structures.
  • NO- no nodes
  • N1a- Nodes involved in pre-trachea, para-trachea, and pre-laryngeal regions.
  • N1b- Nodes involved in cervical or superior mediastinal regions
  • MO- No distant metatases
  • M1- With distant metatases

The rating from an insurance company for  thyroid cancer is based on the cell type and the stage or TNM classification. The risk class is worse with higher stages and better for lower stage such as T1 or T2. Papillary thyroid cancer is the most common and has a good prognosis.

Other areas of information that will be needed to determine the risk for life insurance with thyroid cancer include but are not limited to:

  • Treatment- surgical excision(with or without node and neck exploration) followed by any radioisotope? For small tumors many times surgery is adequate.
  • Surveillance- lifetime follow-up with high resolution ultrasound. Many times one year after treatment levels of thryglobulin are almost undetectable. 

Based on the insured’s age, staging level, treatment and followup history, an underwriter will place the insured in a risk class corresponding to the information obtained. As an example:

A 35 year old female diagnosed with thyroid cancer stage T1 with surgery and complete follow-up and no re-occurrence along with no other medical history would typically fall into the standard risk category. Again, it is important that an individual looking for life insurance with thyroid history only work with an experienced agent in order to get the lowest rate.

This standard risk class would not include any extra premium charge for the thyroid cancer history. If a thyroid cancer history is more high risk or more recent then the underwriter could charge an extra premium know as a flat extra. A flat extra is an extra charge per thousand of insurance protection added to the standard rate.

An example of a flat extra may be $5.00 per thousand of coverage for 3 years. So, an insured would be required to pay an additional charge on top of the standard risk already being charge.

But, it is important to remember that this is a temporary flat extra and this extra premium charge would come off the rate after 3 years. The 3 years covers the time frame that the underwriter feels warrants the additional risk.

If applying for say $100,000 of coverage,  the insured would be charged an additional $500 per year for the first 3 years of the policy.

Here are the questions that an insured looking for life insurance with thyroid cancer should be ready to provide in order to find the most affordable rate:

  • Male or Female?
  • Date of Birth?
  • Any tobacco use ever? If stopped, when?
  • Date of thyroid cancer diagnosis?
  • What type of cancer? I.E. Papillary or papillary follicular, Follicular, Medullary, Anaplastic, Hurthle?
  • What was the stage of the tumor?
  • What treatments have you had? I.E. Surgery, chemotherapy, external radiation?
  • Is there any history of metastatic disease?
  • Any additional studies been done? I.E. Radioisotope scans, ultrasound, thyroglobulin, calcitonin? If so, when?
  • Are you currently on any medications?
  • Any other major health problems
  • Amount of coverage needed?
  • Type of coverage? I.E. Term life or permanent protection

With the above information, your agent can go out into the marketplace, speak to the underwriters and find the lowest offer avaialble. You do not want to apply to different insurance companies. This only hurts your ability to get the best offer. This also flags your medical information bureau file.

If you are looking for the most affordable rate for life insurance with thyroid cancer, contact us at 1-888-393-9003 or e-mail Mike Raines at


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Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

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3482 Keith Bridge Road Suite #125
Cumming, GA 30041


Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

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Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

We work with individuals across the nation to secure the best life insurance rates.

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