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Thyroid Cancer Life Insurance

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Thyroid Cancer Life Insurance, Critical Illness Cover And Income Protection

The Insurance Surgery specialises in working with people who currently suffer from or who have previously had a medical or health issue such as Thyroid Cancer life insurance, critical illness cover and income protection. Anyone who has previously suffered from any type of cancer will appreciate how important it is to ensure that their family is financially protected if anything should happen to them.

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You may also know from experience that the process of applying for Thyroid Cancer life insurance, critical illness cover or income protection can be difficult, time consuming and potentially expensive. It can also seem to most that it is a pointless task applying for this type of cover which may not necessarily be the case as this type of cover can be less cheaper than you think.

In this section we look at how an application for Thyroid Cancer life insurance, critical illness cover or income protection will be assessed by underwriters. We also look at how your premiums and cover options will be affected if you are disclosing that you have previously suffered from Thyroid Cancer.

Symptoms of Thyroid Cancer:

  • Lump or cyst on the throat
  • Swollen glands
  • Sore throat
  • Swallowing problems
  • Hoarse voice

How Thyroid Cancer life insurance, critical illness cover and income protection works

If you have previously suffered from Thyroid Cancer and want to apply for life insurance, critical illness cover or income protection then you will need to provide additional information on your application such as:

  • Date diagnosed
  • Grade/stage
  • Primary treatment
  • Any surgery
  • Time since last treatment

If you need more help to get a competitive quote for Thyroid Cancer life insurance, critical illness cover or income protection then you should contact one of our team of highly skilled insurance experts on 0800 083 2829.

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Thyroid Cancer life insurance

The good news is that it is generally possible to get cover for Thyroid Cancer life insurance depending mainly on how long it has been since you last received treatment for your condition. If you received treatment in the past 2 years then you may find that your cover could be postponed until a period of 2 years has passed to show underwriters that there are no longer lasting issues. Your premiums will also rely very much on whether your symptoms were severe or not which is mainly due to the grade/stage of the cancer.

Premiums for Thyroid Cancer life insurance will be based on:

  • What age were you when you were diagnosed with Thyroid Cancer
  • Was your grade/stage high
  • How long ago did you have treatment
  • What treatment did you have

It is even possible to get Thyroid Cancer life insurance from as low as standard rates which means that you could pay the same premiums as someone with no medical issues. If your symptoms are more severe or more recent then you will generally find that your premiums will be loaded or increase to reflect the increased risk of claim.

Thyroid Cancer critical illness cover

It is also possible to get a policy for Thyroid Cancer critical illness cover in a lot of cases where the grade/stage is lower and diagnosis was several years ago. You will generally find that your application will require a copy of your medical records to support the information you have provided and to give underwriters additional information about your symptoms. You may find that your application for Thyroid Cancer critical illness cover will be accepted with an exclusion for cancer which is fairly standard but your premiums should reduce to reflect this fact. You should always check any offer of Thyroid Cancer critical illness cover before you accept a policy to make sure that it is right for you.

Thyroid Cancer income protection

You will find that applying for Thyroid Cancer income protection will be more difficult than for life insurance or critical illness cover because of the increased risk of claim. In most cases you will be required to provide additional information about your condition and symptoms as well as a medical report to support your application. You may also find that Thyroid Cancer income protection may not be available through standard insurance providers and therefore you will need to approach a specialist insurer.

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If you need more help to get a competitive quote for Thyroid Cancer life insurance, critical illness cover and income protection then you should contact one of our insurance experts on 0800 083 2829.
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