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Life Insurance After Colon / Colorectal Cancer

Overview

Life Insurance is not always available for those who have suffered from Colon / Colorectal Cancer.


Your Colorectal Cancer

The exact type of Colorectal 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.

If you have any existing life insurance policies which were taken out before you were diagnosed or fell ill, then this cover is not usually affected. Life Insurance is underwritten based on a "snapshot" of your health when your policy incepts and you are usually covered for new illnesses that happen after that.

 

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 Colorectal 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 Colorectal 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. 

 

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.

Need help? Call us on: 01280 841430