Life Insurance after Cervical Cancer
Life Insurance is not always available for those who have suffered from Cervical cancer.
However, our underwriters are able to offer cover in some cases.
Your Cervical Cancer
The exact type of Cervical cancer you have, the stage and the severity it has/had reached and the treatment you receive(d), will all impact your future prognosis.
Your age, your general health, any other medical conditions may also affect the availability and cost of cover.
This means that where a full recovery can be made, most people will need unique, individual underwriting consideration.
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.
Life cover is issued based on a “snapshot” of your health. Once a 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 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 dependent on the type of cancer and your specific case but will be at least 12 months after treatment is completed and may be longer, in the case of Cervical cancer it 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.
When can I enquire / apply for cover?
As explained above the Postponement period is dependent on the type of cancer and your specific case, but will be at least 12 months after treatment is completed and may be longer.
In the case of Cervical cancer it will usually be 24 months after treatment is completed, but we would be happy to discuss your specific circumstances 12 months after treatment is completed.