I did tenatively qualify for a $100,000 term policy at around three years out. The problem is it would cost $700 per month. Needless to say I did not buy that. I am presently waiting to hear if I am able to obtain more at an affordable rate now that more time has gone by. Insurance companies are in the profit business. They will not take risks (which is understandable) Thankfully I have a $100,000 policy in place since I was about 27. You can bet I have made sure the premiums are paid on time.

Don't bother with the TV ads saying "you can't be turned down" Sure they might sell you a policy but the fine print will say that conditions exist and they won't pay if you die from the cancer. Instead they will return the premiums.

Mark, 21 Year survivor, SCC right tonsil, 3 nodes positive, one with extra-capsular spread. I never asked what stage (would have scared me anyway) Right side tonsillectomy, radical neck dissection right side, maximum radiation to both sides, no chemo, no PEG, age 40 when diagnosed.