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Life Insurance after Cancer in general

Overview

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.

 

 

Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication. 
Please send these either to medical.reports@pulse-insurance.co.uk or post them to us
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.

 

Will Pulse cover me?

Please select the stage you are at with your cancer

I have just been diagnosed or am still being treated

It will not be possible to consider you for Life Insurance until your cancer treatment has been successfully and fully competed and period of "postponement" has passed.

In the case of some cancers, it may never be possible to obtain Life Insurance cover.

Where a complete recovery is made and all scans and test reveal no return of a cancer that can be covered, most mainstream insures will require a waiting period of 3 or even 5 years.

Pulse Underwriters will also not be able to insure all cancer or cases. However enquiries are possible after a shorter waiting period of 1-2 years, depending on the cancer. And policies are regularly issued in suitable cases.

The earlier availability of cover can reduce the period when cover is not in place and provide peace of mind after what will undoubtedly have been a traumatic time.

 

 

Start Again
My treatment has been successfully completed

That is excellent news.

The timing of and general availability of cover will now depend on:-

- the type of cancer you had (not all cancer survivors are insurable)

- your individual severity/grade and treatment (this will after how long before the risk of cancer returning or other factors can be underwritten)

It is still possible that cover will not be available.

Next Step

Please search for your specific type of cancer from the list below so we can provide more specific information for your cancer type.

 

Start Again

Need help? Call us on: 01280 841430