Benign tumor is a non-cancerous growth of cells that does not invade nearby tissues or metastasize to distant organs. Examples include many lipomas, uterine fibroids, and certain brain or endocrine tumors. Although benign, some tumors can still cause symptoms, compress vital structures, or require surgical removal. In life insurance underwriting, benign tumors are evaluated based on location, size, pathology reports, recurrence risk, and whether there is any uncertainty about malignant potential. Generally, clearly documented benign lesions with successful treatment and no complications pose much less risk than malignant cancers and may have little long-term impact on insurability.

Underwriters review benign tumor cases by examining surgical notes, pathology reports, imaging, and follow-up records to confirm the benign diagnosis and absence of malignant transformation. For common, low-risk tumors fully removed with clear margins, standard rates may be available after a short observation period. More caution is applied when tumors are in critical areas like the brain or when pathology reports suggest atypical or borderline features. Advisors encourage clients to obtain and share complete pathology documentation to avoid conservative assumptions. Understanding benign tumors helps advisors respond calmly when clients report having had a tumor, distinguishing low-risk findings from true cancer in underwriting discussions.