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You are here:  Home Archived News World Cancer Day - 4th February

World Cancer Day

World Cancer Day - 4th February

 

 

World Cancer Day is organised by the Union for International Cancer Control and is an opportunity to highlight the wide range of actions needed to effectively prevent, treat and control the many forms of cancer.  It takes place on 4th February every year and was established in 1933 to raise awareness of the disease.

 

Cancer is a condition where cells in a specific part of the body grow and reproduce uncontrollably.  The cancerous cells can invade and destroy surrounding healthy tissue, including organs.  Cancer sometimes begins in one part of the body before spreading to other areas. This process is known as metastasis.

  

Guidelines: 

Breast Cancer: Underwriters require a period of at least 2 years to have passed from the end of

any treatment.

 

Treatment may include:

  • Chemotherapy

  • Radiotherapy

  • Surgery

 

Short term cover for clients that have the breast cancer gene, BRCA 1 and BRCA 2 can be

considered.  The client is not obliged to disclose that they have been tested or what the result

was if their life insurance is less than £500,000. 

 

Ductal carcinoma in situ: can be considered as soon as the tumour has been removed.

 

Other forms of Cancer: a period of at least 12 months must have passed from the end of any

treatment before terms can be considered. 

 

A main factor for our underwriters when assessing an enquiry is the staging and / or grading of a tumour.  It is essential to have this information at the initial stage of an enquiry.  The above guidelines are all dependent on the staging and / or grading of the tumour and Underwriters assess each and every case on the client’s individual circumstances.

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Examples:

 

Aged 70, Non Smoker

Breast Cancer (Stage 3)

Sum Assured: £160,000.00

Term: 1 year

Premium: £693.00 per month

 

Aged 37, Non Smoker

Invasive Malignant Melanoma

Sum Assured: £134,000.00

Term: 19 years

Premium: £105.01 per month for the first 3 years followed by premiums of £19.48 per month for remainder of term

 

Aged 49, Non Smoker

Breast Cancer and a Family History of Breast Cancer and Diabetes

Sum Assured: €150,000.00

Term: 10 years

Premium: €121.35 per month