Life insurance availability after Basal Cell Carcinoma
Life Insurance is usually available for those who have been treated for Basal Cell Carcinoma or non-melanoma skin cancer.
Some mainstream insurers will provide cover at standard terms especially if there has only been one instance.
If you have been diagnosed multiple times or with advanced Basal Cell carcinoma(s), then most Life Underwriters will seek detailed medical reports and some may decline cover.
When is Life Insurance available to Basal Cell Carcinoma Survivors
Typically, Life Insurance underwriters will look for all treatment to have been completed and then for a Postponement Period (of waiting) to ensure treatment has been successful, before offering fresh cover. The duration of this waiting period will depend on the scale and method of treatment necessary.
Pulse Insurance work with underwriters who are typically willing to consider providing Life Insurance to those who are 12 months or more post successful treatment for Basal Cell.
Other Conditions alongside Basal Cell Carcinoma
If you have medical conditions other than Basal Cell Carcinoma, these can be as significant to your Life Insurance enquiry. You can provide details on each of your conditions by answering our specific questions for each condition by selecting them one at a time before submitting your enquiry.
Please try to ensure you complete your enquiry detailing your status as clearly as you can.
If you are at all unsure how to proceed, please do not hesitate to give our friendly Pulse Team a call on 01280 841430.
To complete multiple conditions, select your first condition and when that is complete, you will have the option to add more one at a time till you are ready.
Your application with Pulse Insurance will always be individually considered by our underwriters based on the specifics of the details you provide.
When you need a specialist Life underwriter
Pulse specialise in taking your Basal Cell Carcinoma(s) and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.
We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.
Why Pulse Insurance?
We use our knowledge and experience to find a solution when other Life insurers have declined to quote.
- Pulse Insurance have been focused on finding unusual cover since 1998
- We strive to a offer a caring and sensitive service
- We are knowledgeable insurance professionals who work as a team
- We provide a personal service to guide you through
- If we cannot help, it will not be for the want of trying or know-how
While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are good at helping people find the cover they need.
In 95% of Basal Cell Carcinoma cases, we can offer indicative premiums 12 months post-surgery and/or sense of if cover will be available; so you can decide to proceed or not.
It is important to declare your medical conditions completely.
Your Personal & Medical Details
Everything you disclose about your health to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.
Requirements for more information
Occasionally our initial enquiry may not gather enough information to make a definitive decision, our insurers may ask for more in depth information regarding your health and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.
As you have or have had a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.
Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.