Life Insurance after Cancer in general
Life Insurance is not always available for those who have suffered from one or more cancerous tumours.
Type of Cancer
The type of cancer you have been diagnosed with and the stage and the severity of your cancer will all affect the treatment you receive and may impact your future prognosis. Where a full recovery has been made, the availability of insurance will not be certain and will depend on the type of cancer.
We have created dedicated information for many types of cancer (simply search using the name of the cancer). If your specific type is not listed, that does not mean we cannot help. The following information should help before you submit an enquiry.
If you have just been diagnosed
If you have just been diagnosed with cancer, or have been asked to undergo further tests, it will not be possible to take out any new Life insurance policies at this stage.
If you have any existing life insurance policies which were taken out before you were diagnosed or fell ill, these are often not affected. Life cover is issued based on a “snapshot” of your health. Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens.
If you are being treated for Cancer
If you are still receiving ongoing treatment for cancer or have been asked to undergo further tests or additional treatment or if you are awaiting new test results, it is not possible to take out any new Life Insurance policies at this stage.
If your Cancer treatment has completed
The availability of cover after cancer / a tumour has been successfully treated depends on the type of cancer as well as the staging and severity of the cancer and the individual person’s recovery.
Our underwriters will not be able to consider cover for anyone until treatment has been completed and an additional period of time has elapsed so that it is clear the person’s condition is stable and the cancer has been proven not to have returned or spread.
This Postponement period is therefore very dependent on the type of cancer and your specific case.
As you approach the point above, you may wish to begin enquiring about cover. For many cancers, this point will usually be 24 months after treatment is completed. By way of comparison most standard market insurers insist on waiting at least 5 years after treatment before they are able to consider offering terms.
If you would like to discuss any of this before enquiring, please do not hesitate to contact us.