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Getting Life Insurance After Cancer

A question we get asked a lot here at The Insurance Surgery is “can I get life insurance after having cancer?”. The simple answer is “yes”, but the price and amount of cover can depend on a lot of things, including the type of cancer you had, when you had  cancer, what stage was it, the treatment you had, plus all the usual life insurance questions that are asked to get you an accurate price (including age, weight, height, smoker status, etc.).

Where Can I Find Life Insurance After Cancer?

The best place to start looking for a life insurance policy after you have been treated for cancer is a specialist insurance broker like The Insurance Surgery. The Insurance Surgery has over 20 years’ experience sourcing life insurance for people who have been treated and recovered from cancer and they use this experience to choose from over 15 different insurers to find the right insurer for you.

What does it mean “the right insurer for me”?

The Insurance Surgery searches the biggest names in life insurance so you don’t have to. In terms of which is the right insurer for you this can come down to a number of things:
  • Some insurers are better than others when it comes down to certain cancers. i.e. one insurer is more likely to offer you cover if you have had breast cancer, but they might not be competitive if you had had cervical cancer. The Insurance Surgery uses their experience to go to the insurer they know that will suit your circumstances best.
  • In many cases you might get two insurers offering the same price, for the same cover. Many insurers offer added benefits on top (child critical illness, benefits like cinema tickets/vouchers, mental health network support, etc.) so it might be that you decide to go with the insurer with the best added benefit. Your advisor at The Insurance Surgery will talk you through this.

Do insurers offer cover to people that have had any type of cancer?

As previously mentioned, it really does depend on the type of cancer, the severity of the cancer and how long a go you had the cancer. However, The Insurance Surgery can help you find life insurance for a wide range of cancers including leukemia, kidney cancer, ovarian cancer, testicular cancer, to name a few. For a full list of the types of cancer we can help you with, take a look at our A-Z of medical conditions page.

How long will the process take?

Again, this depends on a number of factors, but in some cases The Insurance Surgery can get cover for a customer on the same day, or in other instances it might take 6-8 weeks to get cover.

6-8 weeks? Why does it take that long?

In some instances, life insurance providers want to double check your medical history with your GP. This requires the insurer to request a GP report for them to confirm your medical history. Although, this might sound a little long winded, it is sometimes better for customers, as insurers see more information in a GP report and therefore give a fairer price than if they just have the basic information about your condition.

Where can I find out more information about getting life insurance after cancer?

The Insurance Surgery has helped out many people in the past who have had cancer get cover. Two of the best examples of their help recently featured in the national press: https://www.express.co.uk/finance/crusader/1360715/Cancer-survivor-life-insurance-relief-cover https://www.express.co.uk/finance/personalfinance/1346776/life-insurance-breast-cancer-awareness-month-pre-existing-medical-conditions

See How We Can Help You

To find out more about getting life insurance after cancer, the best thing to do is either call The Insurance Surgery on 0800 083 2829 or strike up a live chat with one of our advisors or request a quote.