Anyone with a history of Cancer will find that there will be additional underwriting requirements for any type of personal protection cover and Kidney Cancer life insurance is no exception. In almost all cases when applying for Kidney Cancer life insurance you will be required to provide copies of your medical records from your GP or specialist as well as provide any additional information regarding your condition, health and treatments.
Some of the main factors which will determine the premiums that you will pay for Kidney Cancer life insurance are:
- How old were you when you were diagnosed with Kidney Cancer
- What was the grade and stage of your Cancer
- How many lymph nodes were affected
- What treatment did you receive (e.g. Chemotherapy or Radiotherapy)
You may find that if you have previously applied for Kidney Cancer life insurance that you could be able to reduce your premiums on your existing cover if there have been no further issues since then. As with any other type of Cancer for life insurance, the longer you have had since you were diagnosed with or treated for the condition the lower your premium loadings will usually be.
Premiums for Kidney Cancer life insurance can vary dramatically from one insurance company to another and will depend on your medical history. Premium loadings for this type of cover can vary from standard rates with no exclusions to anything up to a decline decision in more severe cases or recent diagnosis.