Life Insurance With Testicular Cancer

Talk to one of our experienced advisors, today!

10 Minute read

Originally published: July 13, 2023

glioblastoma Life Insurance in Canada

Talk to one of our experienced advisors today!

10 Minute read
Originally published: July 13, 2023

glioblastoma Life Insurance in Canada

Many individuals do not consider life insurance following a cancer diagnosis because they think they don’t qualify for coverage. Receiving a testicular cancer diagnosis does not necessarily imply that life insurance coverage is unavailable to you. If you want to secure life insurance to safeguard your loved ones and have previously experienced testicular cancer, this blog will guide you through the process.

Overview of Testicular Cancer

Testicular cancer begins in the testicle’s tissues. A cancerous (malignant) tumour is a collection of cancer cells that can invade and destroy adjacent tissue. The tumour can also migrate to other areas (metastasize). A bulge or lump on a testicle is frequently the first indication of testicular cancer. The growth of cancer cells is rapid. They frequently spread outside of the testicle to other body regions.

Even if testicular cancer spreads to other bodily regions, it is still quite curable. The type of testicular cancer you have and the extent of its spread determine the course of treatment. Chemotherapy and surgery are frequent forms of treatment.

Signs and Symptoms 

The most prevalent symptom of testicular cancer is a non-painful mass in the testicle. Additional symptoms include:

  • Swelling or sudden fluid accumulation in the scrotum.
  • A mass or enlargement in one or both testicles.
  • A sensation of weight in the scrotum.
  • A dull discomfort in the lower abdomen.
  • Discomfort or pain in the scrotum or testicle.
  • Testicular atrophy, or a shrunken testicle.
glioblastoma life insurance case study

Can You Get Life Insurance After Testicular Cancer?

In the majority of cases, individuals who have previously had testicular cancer can typically obtain life insurance. This holds especially true if you have undergone the removal of the testicle without any subsequent instances.

When it comes to life insurance, it is important to take into account certain significant dates in relation to testicular cancer.

  • 1 year after the testicle is removed without any form of treatment
  • 2 years after receiving any type of treatment, such as chemotherapy and radiotherapy.
  • Being in remission for 5 years generally indicates a reduced likelihood of the condition returning.

As you reach each of these significant points, obtaining life insurance typically becomes more convenient and frequently more affordable. In certain cases, if cancer has metastasized, there may be additional factors to take into account, which will vary based on the cancer’s grade and stage.

Case Study: The Journey of Sebastian Flynn – Navigating Life Insurance with a Testicular Cancer History

glioblastoma life insurance case study

Background: Sebastian Flynn, a 35-year-old teacher from Vancouver, was diagnosed with testicular cancer when he was 30 years old. Following a successful orchiectomy and a series of chemotherapy treatments, Sebastian has been in remission for four years. With a history of cancer in his family, he realizes the importance of financial security for his loved ones, particularly his wife and 6-year-old daughter. Therefore, he decides to look for a suitable life insurance policy.


  • Health History: Given Sebastian’s medical history, he faces challenges in securing a life insurance policy. His testicular cancer diagnosis leads to higher premiums or potential denial from traditional life insurance providers.
  • Waiting Periods: Some insurance providers have waiting periods after a cancer diagnosis before they can issue a policy. Since Sebastian has only been in remission for four years, this could be an issue with certain providers.


  • Research: Sebastian starts his journey by researching various life insurance policies and providers. He specifically looks into policies designed for individuals with a history of serious illness.
  • Consultation: He seeks advice from a life insurance broker who is experienced in working with high-risk clients. The broker suggests looking into both no medical and simplified issue life insurance policies, as well as traditional term life insurance with companies known for their lenient underwriting for cancer survivors.
  • Applications: Following his broker’s advice, Sebastian applies to several insurance companies for different types of policies. This includes a no medical exam policy, a simplified issue policy, and a traditional term life insurance policy from a company known to be cancer-friendly.

Outcome: Sebastian’s diligence pays off. Although he is rejected for traditional term life insurance due to his cancer history, he receives offers for both the no medical exam and the simplified issue policies. While these policies come with higher premiums, Sebastian finds them acceptable given his health history. He eventually decides on a no medical exam policy with a reputable provider, securing a substantial death benefit that would provide for his family in the event of his passing.

In the end, despite the challenges presented by his past testicular cancer, Sebastian is able to find a life insurance policy that suits his needs and provides him with peace of mind. This case study illustrates that with determination, research, and the right advice, it is possible to find life insurance coverage even with a history of serious illness.

Will I Need a Medical After Testicular Cancer to Get Life Insurance?

For your life insurance application, you will typically need to submit a doctor’s report or medical records. This is common if you disclose any form of cancer when applying for life insurance.

To obtain a medical record or report from your doctor, follow these steps:

  • You must either sign or orally consent to your insurance viewing your medical records.
  • Your GP or specialist will get an application from the insurance company.
  • You won’t have to pay for your records to be delivered because your insurer will pay for them directly. Report returned directly to your insurer (you can check your records before they go to the insurer). Typically, this will be handled through a medical report, so you won’t require a medical or to visit a nurse.

Best Life Insurance for Testicular Cancer

There are typically two types of insurance policies that concentrate on cancer:

  1. Critical Illness Insurance: If you are diagnosed with a certain critical illness, which usually includes various types of cancer, this type of policy pays out a lump-sum amount. It is intended to assist with expenses that traditional health insurance does not cover, such as missed wages, uninsured medical bills, and non-medical costs associated with the disease (such as transportation and home care).
  2. Cancer Insurance: this only pays out if you are given a cancer diagnosis. individuals with a high risk of developing cancer because to a history in their family or a may choose to buy this. Some people decide to buy it as an addition to their health insurance. Depending on the insurance, the specifics of what is covered may vary, but it may include hospital stays, treatments (such as chemotherapy, radiation therapy, etc.), surgeries, and occasionally even non-medical costs associated with the illness.

Additionally, some types of life insurance may provide extra alternatives for coverage for serious illnesses:

  1. Life Insurance with Critical Illness Rider: You can add a critical illness rider to some life insurance policies, which can pay out a percentage of the death benefit in the event that you’re diagnosed with a serious illness, such as cancer.
  2. Guaranteed Issue Life Insurance: This type of insurance may be an alternative for people who have been given a serious medical diagnosis, such as cancer, and may have trouble obtaining a normal life insurance policy. These insurance don’t need a medical exam, but they typically have higher premiums and less coverage.

Keep in mind that details might vary substantially depending on the firm and policy, and that insurability may be affected differently depending on the type of cancer. Always read the fine print of any coverage you’re contemplating, and speak with an experienced insurance professional to fully understand your alternatives.

How Would a Cancer Diagnosis Affect My Existing Life Insurance if I Already Have It?

When purchasing life insurance, it is typical to inquire about cancer history. Any information about your medical history that is requested, especially something as serious as cancer, must be provided.

Due to the nature of this disease, testicular cancer will have an effect on your life insurance application. It simply means that your application will be evaluated on this basis. Life insurance coverage is still available.

What Questions Will Be Asked by Life Insurance Companies?

In the majority of cases involving a Testicular Cancer disclosure on a life insurance application, you will be required to submit copies of your medical records. Premiums for life insurance with testicular cancer will depend on your answers to these questions: (keep in mind that these questions vary depending on the provider)

  • When was the last time you received primary treatment?
  • Have you had your testicle removed?
  • What was your age at the time of your diagnosis?
  • Have you undergone radiotherapy or chemotherapy?

Who Should Consider No Medical and Simplified Issue Life Insurance?

No Medical and Simplified Issue Life Insurance policies are designed to provide coverage without requiring a comprehensive medical exam or a detailed medical history. These forms of insurance policies may be appealing to certain individuals:

glioblastoma life insurance case study
  • Those with Pre-existing Health Conditions: Individuals who have been diagnosed with a severe health condition, such as testicular cancer may find it difficult to obtain traditional life insurance due to the risk that insurance companies perceive they pose. These individuals may be eligible for no-medical-exam or simplified underwriting life insurance.
  • Older Applicants: As individuals age, the likelihood of developing health issues increases, making it more difficult and costly to obtain traditional life insurance. Older individuals, especially those in their senior years, may view life insurance without medical coverage as a viable option.
  • People with High-Risk Occupations or Interests: If your occupation or pastime increases your risk of death (for example, commercial fisherman, pilot, skydiving), it may be difficult or too costly to obtain traditional life insurance. In such situations, a no-medical-exam or simplified-issue policy may be a viable option.
  • Those Who Want Fast Coverage: Due to the necessity of medical underwriting, traditional life insurance policies can take weeks or even months to become effective. A no-medical-exam or simplified issue life insurance policy can generally provide coverage much more rapidly if you need coverage quickly.
  • Individuals Who Dislike Medical Exams: Individuals do not want to undergo a medical exam due to personal preferences, needle phobia, or other factors. No medical exam or simplified issue life insurance can be an attractive option for these individuals.
  • People with Busy Lifestyles: Those who are constantly on the move may not have the time to undergo traditional medical underwriting. A simplified issue or no medical exam policy requires less time to set up.

Frequently Asked Questions (FAQs) about Life insurance with Testicular Cancer

Yes, cancer patients in Canada can obtain life insurance. However, certain companies will deny you coverage if you have cancer, which is a critical illness. So your best option may be a guaranteed issue policy that does not require a medical exam.

You can purchase life insurance while you have cancer or wait until you have been in remission for several years. Some companies may require you to be in remission for at least three years in order to qualify, while others may require ten.

Yes, stage 4 cancer patients can obtain guaranteed issue life insurance. Note that the majority of policies only pay out the maximum death benefit two years after the policy was signed. Therefore, if you die prior to that date, your beneficiaries will only receive a refund of the premiums you have already paid.

Depending on your circumstances, you may only need critical illness insurance or disability insurance, but in many cases, you need both to adequately secure yourself. Disability and critical illness insurance operate together to mitigate the effects of disability or serious illness. 

Find a solution for what you’re looking for

If you have testicular cancer, it’s important to know that it may affect your life insurance application. However, having cancer does not necessarily mean you’ll be denied coverage. At Protect Your Wealth, we work with and compare policies and quotes from the best life insurance companies in Canada to ensure the best solution for you and your needs. We’ve been providing expert life insurance solutions since 2007, including no medical life insurance, term life insurance, and permanent life insurance, to build the best package to give you the protection you need. 

Contact Protect Your Wealth or call us at 1-877-654-6119 to talk to an advisor today. We’re proudly based out of Hamilton, and service clients anywhere in Ontario, Alberta and British Columbia; including areas such as Stoney Creek, Calgary, and Airdrie.

Talk to an advisor today.

Best Life Insurance Quotes Canada