The Insurance Surgery strive to find you great cover at an affordable price for Cancer Insurance.
If you have a history of a medical condition such as cancer it can make it more difficult to find the right level of cover at a great price. Our specialist team of Cancer Insurance experts will take you through your application to ensure you have the right level of protection for you at the best price we can find.
Most Common Questions
Cancer and Life Insurance
The Insurance Surgery is also a leading expert in specialist Cancer Life Insurance so follow the link or speak to one of our team of advisors on 0800 083 2829 if you require more information.
Cancer and Travel Insurance
If you are looking to travel and have had Cancer, follow the link here for more information on Cancer Travel Insurance, or speak to our team of experts on 0800 458 0487.
Cancer Research UK: http://www.cancerresearchuk.org
Macmillan Cancer Support: https://www.macmillan.org.uk/
NHS Choices: http://www.nhs.uk/conditions/cancer/pages/introduction.aspx
Case Study 1
- Client: Male
- Age: 31
- Smoker status: Non-smoker
- Medical condition: Testicular cancer
- Cover date: 23rd September 2019
- Product type: level life insurance
- Cover amount: £500,000
- Cover term: 30 years
- Premium: £20.30
We were approached by this gentleman on the 5th September 2019 when he completed an enquiry on our website. Our advisor Karl then contacted him to discuss his life insurance needs and any pre-existing medical conditions that he may have. At this point he disclosed that he has had stage 1 testicular cancer 6 years ago, of which he is now clear and isn’t receiving any treatment. The gentleman then went on to explain that he was looking for £500,000 of cover over a 30-year period as well as critical illness cover to cover his mortgage and protect his family. After learning this, Karl then researched the best provider for the gentlemen and applied to one of our mainstream providers. Unfortunately, the quotes for the critical illness cover were a little over the gentleman’s budget and therefore he chose to just have the level life insurance. As a result of this, Karl managed to secure the gentleman £500,000 of cover over a 30-year period for a monthly premium of £20.30.
This is an amazing outcome as the gentleman was able to get the protection that he and his family need for a very reasonable premium, especially due to the amount of cover that they gentleman was looking for and his previous medical history. Both us and the gentleman were delighted with this result as he was able to get the protection that he needs within his budget so he knows that his family are covered should the worst happen.
Case Study 2
- Client: Male
- Age: 49
- Smoker status: Smoker
- Medical condition: Bowel cancer and depression
- Cover date: 24th September 2019
- Product type: Level life insurance
- Cover amount: £15,000
- Cover term: 20 years
- Premium: £35.34
We were contacted by this gentleman on the 28th June 2019 when he completed an enquiry on our website. Our advisor Sam C then called him to discuss his life insurance needs and his pre-existing medical conditions. At this point he disclosed that he was looking for £150,000 of cover over 20 years with a maximum budget of £40pm, and that he has suffered from stage 1 bowel cancer, of which his last treatment was over 2 years ago. He also mentioned that he has suffered from minor depression and has also been advised by a doctor to reduce his alcohol consumption in 2010. Sam C then took all of this information and applied to one of our mainstream providers and got some quotes for the gentleman. However, unfortunately these quotes were too expensive for his budget due to the fact that his bowel cancer was so recent . Therefore, Sam C had to reduce the amount of cover that the gentleman was looking for to £15,000 so that it fit within his budget. Therefore, Sam C managed to find £15,000 of cover for 20 years for the gentleman for a monthly premium of £35.34. This is a brilliant premium considering the difficult combination of medical conditions that they gentleman has suffered from, especially the bowel cancer as that can pose a significant risk to the insurers.
As a whole, the gentleman was over the moon that we managed to find him cover, as he now has peace of mind that his family are financially protected. Furthering this, we are also overjoyed that we managed to find him cover as it can sometimes be tricky to find cover for people who have had cancer, especially if they have other medical conditions as well.
Specialist and Free Advice from a team of experts
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