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Can Life Insurance Be Cancelled Because of Illness?


Facing a critical illness can be an overwhelming experience, often accompanied by financial concerns. In such challenging times, understanding your life insurance coverage becomes crucial. Many individuals wonder, "Can life insurance be cancelled because of illness?" This article aims to provide clarity on the topic, offering insights into how critical illness may impact your life insurance policy and what steps you can take to safeguard your coverage.

Understanding Life Insurance and Critical Illness:

Life insurance is designed to provide financial protection to your loved ones in the event of your death. However, certain life insurance policies also offer additional benefits, such as coverage for critical illnesses like cancer, heart attack, or stroke. These policies, known as critical illness riders or add-ons or standalone critical illness insurance, provide a lump sum payment upon diagnosis of a covered critical illness, offering financial support during a challenging time.

Can Life Insurance be Cancelled Due to Illness?

The short answer is no, life insurance cannot be cancelled solely because of an illness. When you purchase a life insurance policy, you enter into a contractual agreement with the insurance company. As long as you continue to pay your premiums and fulfil the terms of the policy, the insurance company is obligated to provide coverage, regardless of any changes in your health.

However, there are certain factors to consider:

  • Pre-existing Conditions: If you fail to disclose pre-existing medical conditions or provide inaccurate information during the application process of your life insurance, the insurance company may have grounds to cancel your policy. It is crucial to be transparent and truthful when applying for life insurance to avoid any issues with your coverage later on.
  • Policy Lapse: Failure to pay your premiums can result in a lapse of your life insurance policy. If you are facing financial difficulties due to a critical illness, it is essential to communicate with your insurance provider to explore options such as grace periods or premium waivers to keep your policy active.
  • Contestability Period: Most life insurance policies have a contestability period, typically the first two years after the policy takes effect. During this period, the insurance company has the right to investigate and deny claims based on misrepresentation or concealment of material facts. Once the contestability period expires, the insurer cannot cancel your policy based on information provided in the application.

Protecting Your Life Insurance Coverage:

To safeguard your life insurance coverage during a critical illness, consider the following steps:

  • Review Your Policy: Take the time to thoroughly review your life insurance policy, including any riders or additional benefits related to critical illness coverage. Understand the terms and conditions, as well as any exclusions that may apply.
  • Stay Informed: Keep your insurance provider informed about any changes in your health status or medical treatments. Open communication can help ensure that you receive the support and benefits you are entitled to under your policy.
  • Seek Professional Advice: If you have concerns about your life insurance coverage or need assistance navigating your policy amid a critical illness, consider consulting with a financial advisor or insurance expert. They can provide personalised guidance tailored to your specific situation.


Facing a critical illness can be challenging, but having the right life insurance coverage can provide peace of mind and financial security for you and your loved ones. While life insurance cannot be cancelled solely because of an illness, it is essential to understand the terms of your policy and take proactive steps to protect your coverage. By staying informed, communicating with your insurance provider, and seeking professional advice when needed, you can ensure that your life insurance remains a valuable asset during difficult times.


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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