Life insurance for cancer
Can you get life insurance if you have cancer? Yes you can!
As life insurance experts, we will find the right policy to protect you and your loved ones.
Why choose
The Insurance Surgery
- Voted Best life and protection broker 2022
- Rated 5* on Trustpilot and Feefo
- Access to high street and independent insurers
- 20 years’ experience & price match promise
Working with insurers across the UK
You want to be matched with the right life insurance provider. We want that too. That’s why we focus on finding you the perfect policy that protects you and your family. Our access to high street and independent insurers means that we can find the right cancer life insurance policy for you. All you need to focus on is your health.
Life Insurance For Cancer Patients
Life insurance for cancer patients
It is worrying that 1 in 2 of us are likely to be diagnosed with cancer at some stage of our lives. But thanks to the tireless efforts of scientists and researchers, prognoses are improving all the time. When you find out you have cancer, it may feel like your whole world is falling apart. Whether you or a loved one has been told you have cancer, our team of experts in cancer life insurance are here to help. You don’t have to worry about finding the right insurance policy. We’re here to do just that. You should instead think about your health and concentrate on getting better.
Do you have any questions about life insurance for people living with cancer?
Life insurance for cancer patients can be difficult to navigate, especially if you’ve never needed to know anything about it before. You’ll have hundreds of questions, and you might find that you struggle to take in the answers. That’s completely normal when you have a million things on your mind.
Policy text can be tricky to comprehend, but our experienced cancer insurance specialists will help you understand all the details. We’ll answer all of your questions, and we’ll give you as much information as you need. When you talk to a member of our team, we’ll take as long as you need to help you feel that you’ve got the right policy in place to protect you and your loved ones.
Our dedicated insurance specialists can answer any questions that you may about life insurance if you have cancer.
- Have you had a recent cancer diagnosis?
- Do you want to know if it’s possible to protect yourself financially against the risk of cancer?
- Have you discovered some cancerous or non-cancerous cells?
- Do you have a family history of cancer?
Whatever your situation, we can talk through all of the implications of cancer life insurance.
What’s more, if it comes to it, and you do need to make a claim on your life insurance policy, we’re here to help. Our end-to-end support means that we’re not just here to find the right policy for your needs. We offer help, advice and guidance to people who need to make a claim; from finding the right forms to confirming what your policy covers .
Does life insurance cover cancer?
Yes, without a doubt. As cancer gets easier to treat and people live longer, more insurance companies are giving policies to people who have just been told they have cancer.
Life insurance for cancer can be hard to understand, but if you’ve already had life insurance, you may already be covered. Please call us at 0800 083 2829 if you’re not sure. We can look at any policies you already have and find out if you have life insurance.
Can you get life insurance if you have cancer
Yes there are new policies available that will give you protection if you have recently been diagnosed with cancer. Some policies may have specific exclusions, or different premiums but our experience in cancer life insurance means that we know which insurers are likely to provide you with a policy.
As part of our process, we need to have as much information as possible. This will help to personalise your quote, and find the right insurer for you and your family.
Before you pick up the phone, or request a call back from one of our cancer insurance experts, it may help if you have the answers to the following questions.
- What type of cancer do you have?
- When were you diagnosed?
- Do you have any recent results from tests or scans?
- Are you currently receiving treatment?
- What medication are you taking?
- What grade or stage is your cancer?
- Do you have a family history of cancer?
If you only know some of the answers to these questions, that’s not a problem. Your doctor may be able to provide some of the specifics, but the more information we have, the quicker we can match you to the right insurer.
Life Insurance For Cancer Survivors
Life insurance for cancer survivors
Are you in remission from cancer? If it’s been one or two years since you received the great news that you have got the all-clear, then you will likely be eligible for a standard life insurance policy.
If you haven’t yet reached the two-year milestone, you may still be eligible for a cancer life insurance policy. We work closely with insurers across the entire market, and we know which companies are more likely to accept policies after just a few months of remission. In fact, we’ve successfully helped many people receive life insurance cover shortly after they were given the all-clear.
You may find that there are different options available when it comes to life insurance for cancer survivors. Some insurers may ask for higher premiums or input specific exclusions into your policy.
Researching online for life insurance quotes is quick, easy, and convenient. But sometimes you need to speak to a trusted expert who can explain to you exactly what you are buying.
Choosing the right life insurance policy for cancer survivors is more than just securing low priced premiums. The key is to find a policy that is likely to payout in your situation. You want to know that you have the right financial support in place, whether you need to pay the mortgage, get counselling, make improvements to your home, or even pay for a vacation to help you get better.
If you are in remission from cancer, book a call with one of our cancer life insurance specialists. We are confident that we can find you a better policy with lower premiums. With our price match promise, you won’t find a better policy offer anywhere else.
All we need is some key information from you.
- What type of cancer did you have?
- When were you diagnosed?
- When did you finish treatment?
The difference between being cancer-free and being in remission
The language used in insurance policies is clear and precise.
Over the past 20 years, we’ve talked to way too many people who had trouble understanding how their policy worked. If you’re looking for life insurance after cancer it’s because you want to protect your family, your loved ones, and your home.
You might see the words “complete remission” or “partial remission” in the policy language.
It’s important to know what the different terms mean because they could affect how much your premiums are and how likely it is that you will get paid.
“Complete remission” or “No Evidence of Disease (NED)” means that scans and tests have shown that your body has responded well to any treatment, and there are no signs of cancer in your body. The word remission does allow for the possibility that there *could* be an undetectable trace of cancer in your body, which is why it is different from the term “cancer free.”
“Partial remission” means that your body is actively responding to treatment and that the amount of cancer in your body has gone down.
Just ask one of our trained cancer insurance specialists if you have any questions about the words or phrases used in your policy documents.
We will always take the time to fully explain your insurance policy so that you know what to expect from your life insurance after cancer.
Have you previously been declined for cancer life insurance?
If you have tried to get life insurance for cancer before and been turned down, you may be worried about how to protect your finances.
There are ways to protect yourself; all you have to do is find the right insurance company.
70% of people who have been turned down for insurance somewhere else are accepted by us.
Because we have access to niche insurance providers and we know your situation, we can do a lot more than just say “the computer says no.”
Life insurance for cancer patients is hard to understand, but we are experts at finding the right policies that will protect you and your family the most. Talk to one of our cancer life insurance advisors if you have been turned down for insurance before. We can look into the reasons why you may have been turned down before and find a way to help you get the protection you need.
Cancer life insurance costs
If you just found out you have cancer, the last thing you want to do is worry about money.
A cancer life insurance policy can give you financial security, whether it’s through coverage for serious or critical illness, coverage for terminal illness, or even protection for your mortgage or income.
There are many different types of life insurance policies that cover cancer. The type of policy you choose may affect how much you could get paid as well as your monthly or annual premiums. The cost of your cancer life insurance could be affected by things like a family history of the disease or a recent diagnosis.
Getting life insurance before a cancer diagnosis is one of the best ways to protect yourself and your family. But there are also many ways to get life insurance with a cancer diagnosis; all you need to do to get started is to speak to a member of our team.
But how much will this cost you each month?
Your policy premiums will depend on your personal history.
As an illustration, we recently helped a gentleman with a history of cancer who had previously been declined for a life insurance policy.
We secured a 20-year policy, with cover worth £650,000 for a low monthly fee of £76.36.
This means that over a 20-year period, the gentleman could spend £18,806 on his premiums, with a potential life insurance cancer payout of up to £650,000.
Can I get an instant quote for life insurance if I have cancer?
We don’t offer instant online quotes for life insurance that covers cancer, because we take the time to learn about your health history.
By talking to one of our trained advisors for a short time, we can learn more about you and figure out what kind of policy and level of coverage is best for you. We’ll only recommend policies that meet your needs, so it’s important for us to find out what kind of coverage you want.
Does critical illness cover cancer?
If you already have life insurance, critical illness cover may be part of it. If so, that’s great. It means that you are probably already taken care of by your life insurance.
In fact, most people in the UK who file critical illness claims do so because they have cancer. More than 375,000 people in the UK are told they have cancer every year.
One of the best things you can do to protect yourself and your family is to get a life insurance policy that covers critical illnesses.
If you haven’t already taken out a critical illness policy, it’s not too late.
If you’ve had cancer before, you might be able to get cancer critical illness cover.
But any policy will depend on a number of things, such as what kind of cancer you have, how bad it is, what kind of treatment you get, and when you finished your treatment.
Our cancer critical illness specialists will be able to discuss your options with you. If critical illness cover isn’t available, we can help you find other ways to feel safe.
Have you previously been declined for cancer life insurance?
If you have tried to get life insurance for cancer before and been turned down, you may be worried about how to protect your finances.
There are ways to protect yourself; all you have to do is find the right insurance company.
70% of people who have been turned down for insurance somewhere else are accepted by us.
Because we have access to niche insurance providers and we know your situation, we can do a lot more than just say “the computer says no.”
Life insurance for cancer patients is hard to understand, but we are experts at finding the right policies that will protect you and your family the most. Talk to one of our cancer life insurance advisors if you have been turned down for insurance before. We can look into the reasons why you may have been turned down before and find a way to help you get the protection you need.
Why is cancer critical illness cover important?
Critical illness cover is usually part of life insurance, but you can also buy it as a separate policy.
If you are diagnosed with one of the illnesses listed in your policy, critical illness cover will give you a lump sum. There are more than 200 different types of cancer, so you may need to check if your insurance covers your type.
You will get a one-time payment if it is covered.
You can use this money for anything you want, like paying your mortgage or rent, making changes to your home, or even going to counselling to help you deal with the stress of being told you have cancer. Many people tell us that they plan to use their cancer critical illness payouts to pay for a once-in-a-lifetime holiday that will help them relax and heal from their cancer.
Have you previously been declined for cancer life insurance?
If you have tried to get life insurance for cancer before and been turned down, you may be worried about how to protect your finances.
There are ways to protect yourself; all you have to do is find the right insurance company.
70% of people who have been turned down for insurance somewhere else are accepted by us.
Because we have access to niche insurance providers and we know your situation, we can do a lot more than just say “the computer says no.”
Life insurance for cancer patients is hard to understand, but we are experts at finding the right policies that will protect you and your family the most. Talk to one of our cancer life insurance advisors if you have been turned down for insurance before. We can look into the reasons why you may have been turned down before and find a way to help you get the protection you need.
How Life Insurance for Cancer Patients & Survivors Works
There are a number of key areas that are taken into account when underwriting Cancer Life Insurance:
- Type of Cancer
- Area / Organs Affected
- Grade and Stage
- Treatment received (i.e. Chemotherapy, Radiotherapy etc.)
- Date you were diagnosed with cancer
- Date of the last treatment for cancer
- Time in remission
- Medical History
The Insurance Surgery is a leading life insurance expert for pre-existing medical conditions such as Cancer insurance and our team of experts has helped to protect thousands of families and individuals. People often come to us asking what is life insurance for cancer patients?
Case Studies
Frequently Asked Questions
We answer your most frequently asked questions.
Life insurance premiums will depend on your individual medical history. Insurers may want to know details such as whether there is a family history of cancer, what type of cancer you may currently have, or how long it has been since you finished your treatment.
We focus on finding the right cancer life insurance policy for you. We’ll talk through what you need your insurance to cover, and we’ll match you to the right policy plan that protects you.
Life insurance with a cancer diagnosis is possible, but your level of cover and premiums may differ depending on your personal circumstances. If you have a history of cancer, some insurers may require you to be in remission for at least two years – after this time, you will eligible for a standard life insurance policy.
However, as we work with high street and independent insurers, we know who to speak to if you have only recently finished treatment, or you are currently living with cancer. There are always options available to protect you and your loved ones, which is why you may wish to book a phone call with one of our cancer life insurance specialists.
Yes, it does. If you have a life insurance policy before a cancer diagnosis, you will likely be covered, although you may wish to check the details of any critical illness cover or income protection within your policy details.
If you are looking for life insurance after a cancer diagnosis, there are many options available but these may depend on the type of cancer, and how long it has been since your last treatment. Our approach is to find the right life insurance policy that suits your needs. In a short call with one of our trained cancer life insurance specialists, we are confident that we can find a positive solution that will protect you and your family.
Typically, you may need to wait between one and two years after your last treatment, although this may depend on the type and severity of your cancer. After two years, you will likely be eligible for a standard life insurance policy.
If you are looking for a cancer life insurance policy because you are living with cancer, or you have only recently finished your treatment, please contact us. Our trained specialists work with high street and independent insurers, and we know what solutions are available to help you.
If you have previously been declined for life insurance, there is still hope. There are many insurers that will offer cover to people living with cancer who may have previously been declined for life insurance.
We have a strong track record of finding insurance policies for people who may have been rejected from an insurer. Our relationships with niche lenders means that we have more options available to us than just the high street insurers. We take the time to understand you and your medical history, and we can match you to an insurer who will give you the cover that you need.
If you already have life insurance before a cancer diagnosis, you may have suitable cover in place to protect you and your loved ones. If you’re unsure about your policy, please speak to a member of our team – we can look at your current policy details and confirm what current cover is in place.
If we believe that we can find you a better life insurance deal that offers better cover, or lower premiums we will make our recommendations. We will only ever suggest a switch to a new life insurance provider if we think that it is the right option for you.
Facts about Cancer
Cancer is an extremely complicated condition. There are around 200 variations (or types) that affect different areas of the body and can require different types of treatment.
Cancer Statistics (UK):
- Breast, Prostate, Lung and Bowel Cancers together account for more than half (535) of all new Cancers in the UK
- Every two minutes someone in the UK is diagnosed with the condition
- Survival rate in the UK is roughly 50%
- 38% of cases are preventable
- 367,000 new cases per year
- 164,000 deaths from Cancer per year
A Leading Insurance Specialist In Obtaining Cover For People Who Have Had Cancer
The Insurance Surgery has over two decades of experience helping people with a history of Cancer obtain life insurance. We can also secure critical illness cover, income protection and any other financial products they may require under the financial conduct authority.