December 12, 2017

breast cancer graphic

Life & Critical illness Insurance with a Family History of Breast Cancer

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Call me back

Case study:

We were recently contacted by Miss A , a 28 year old non-smoker. She had no protection in place and had been looking to take out Life cover for mortgage protection and Critical illness cover for personal protection. However, as her sister was diagnosed with breast cancer at a young age, the providers that she approached would not cover her for either breast or ovarian cancer. Given her family history she wanted to make sure that she had full cover.

Expert Advice:

We explained that not all Insurance providers would have the same approach and exclude cover for breast and ovarian cancer. Some companies are happy to offer a the full cover with a small increase (loading) on top of the basic premium.

Miss A was pleased that we were able to secure a life insurance policy offering £200,000 of cover over a term of 30 years on standard terms and a Critical illness cover offering £80,000 until the age of 65 with a small increase in the monthly premium.

The total monthly premium payable was £42.85 (the premium without a family history of breast cancer would have been £34.83).

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

How to contact us:

Whilst you are welcome to get a quote on-line but we would recommend you talk to one of our advisers.

Your adviser will take into account your medical history. Any quote which they provide to you will take into account to your situation, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Call me back

Please feel free to read our Independent client reviews, or read about the team at Future Proof.

Get a Quote

Are you unsure what cover is right for you, take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer with a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting

Interested in other case studies?

Do you suffer with a medical condition and are concerned you can’t secure Life or Critical Insurance?  

Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

For more information on having a family history with breast cancer click HERE to go to the NHS Choices website.

Client reference: 124661590