If you suffer from cancer and are looking to take out life insurance, you have come to the right place.
Getting life cover can be difficult if you have a history of cancer or any other serious medical condition. Insurers may either decline your application or quote you a high premium without even ascertaining the severity of your illness.
Our partners specialise in life insurance for those with pre-existing medical conditions such as cancer (in all its various forms). They know which impaired life insurance firms to work with based on the type of cancer you have and how to get you the most competitive rates based on your specific cancer history.
How cancer can affect life insurance
Cancer is a common condition (More than 1 in 3 people develop some form of cancer during their lifetime) that involves the uncontrollable growth and reproduction of cells in a specific part of the body. The cancerous cells form malignant tumours, and can invade and destroy surrounding healthy tissue, including organs.
There are over 200 different types of cancer, including breast cancer, skin cancer, prostate cancer, lung cancer and bladder cancer. Each has its own health risks, methods of diagnosis and treatment.
The type of cancer you suffer from is usually the first thing insurers will want to know when assessing your life insurance application. In most cases, they will also want to know:
- How long it has been since you were first diagnosed with cancer?
- What Stage/Grade is the cancer?
- How big is the malignant tumor(s)?
- Has your cancer spread to other parts of your body (a process known as metastasis?
- What type of treatment have you had?
- Are you currently receiving treatment? If not, how much time has passed since your treatment ended?
- Have you had any relapses?
- What medications do you take?
The information you provide about your condition will help the underwriter assess the risk involved and apply a life insurance premium that takes this data into account.
Let us help you get the life insurance cover you need at the best possible price.
Please note this information is for illustration purposes only and we cannot guarantee that a client with cancer will be accepted for life insurance.