Anyone who has had Breast Cancer looking for life insurance will generally be able to get cover and it can be available at anything from standard terms up to postpone or decline. Terms for Breast Cancer life insurance will depend on a number of factors which will be assessed by underwriters, such as:
- What date were you diagnosed with Breast Cancer and what age were you
- How aggressive was your Cancer (e.g. Grade and Stage)
- What treatment did you receive (e.g. Mastectomy, Lumpectomy, Chemotherapy etc.)
- How long since treatment ended (Min. 2 years usually)
Breast Cancer life insurance rates can vary dramatically from one insurance provider to another and will generally depend on when you received treatment and the period of time in remission. Most applications that we see for Breast Cancer life insurance are accepted with either a loading to the premiums for a period of time following end of treatment or are accepted at standard rates for clients with several years since treatment and no further issues.
If you have applied for Breast Cancer life insurance in the past and have had cover accepted on special terms or been declined / postponed cover then it is advisable to review cover to see if the situation has changed. Life insurance underwriting terms are constantly changing, especially for conditions such as Breast Cancer so it is well worth reviewing your policy to see if you can save money.