How will life insurers view my application if I have benign breast lumps? Fibroadenoma

What is a Fibroadenoma?

A fibroadenoma is a very common benign breast lump.

Fibroadenomas often develop during puberty and are mostly found in young women but can occur in women of any age. Men can also get fibroadenomas, but this is very rare.*

Our client

Ms K approached us as she needed life insurance to cover a new mortgage which she had taken out with her partner. During our conversation, she confirmed that she also wanted a critical illness policy to protect her in the event of being diagnosed with a serious illness. Ms K had previously applied directly to an insurer who had placed exclusions on critical illness cover due to her medical disclosures.


Ms K suffers from multiple fibroadenoma’s which were first diagnosed in 2010. She had 6 in total but one was removed in 2015 due to the location which impaired her movement. These adenomas were confirmed as being benign and no further surgery or treatment was required. Ms K told us that she has a family history of ovarian cancer on her mother’s side of the family, so our main priority was to find her critical illness cover without exclusions.


Finding joint mortgage cover for their mortgage was plain sailing – they were both accepted for a decreasing term policy which had a sum assured of £161,000, over a term of 29 years inclusive of Waiver of Premium. Waiver of Premium can cover your monthly premiums if you are unable to work due to a serious injury or are critically ill, so effectively it is insurance for your insurance policy.


We recommended critical illness cover for Ms K which was equal to one years’ gross salary (£43,000) until her 65th birthday due to her budget.

Our research process and advice

Once we had a good understanding of Ms K’s situation, requirements and medical history we started our research process.

Arranging critical illness cover without an exclusion for breast cancer involves us contacting many, if not all of the UK’s leading insurers to discuss our client’s story. The purpose of this is to establish how they might view a client’s application. We speak to underwriters and give them an anonymous breakdown of the client’s situation.

Will they add a ‘loading’ to the premium (this is an additional amount on top of the standard monthly premium to reflect their additional risk)?

Will they exclude certain conditions? In this case breast cancer.

Will they decline an application? We want to avoid wasting time by making applications that might be declined.

The Outcome

During our research, all the insurers we spoke to indicated that they would exclude breast cancer on any critical illness cover application.

However, one insurer advised that they would not and in addition, did not require a GP report.
We applied on her behalf and received the decision we were expecting, which was an offer of cover on standard rates, so no premium increase and no exclusion for breast cancer.

Ms K was extremely happy as her main priority was to ensure that breast cancer would not be excluded from her critical illness cover, plus she has peace of mind that she has one of the most comprehensive policies available on the market.

The insurer in question does not work directly with the general public, only intermediaries, so she would not have been able to approach them without our assistance. Her partner was so impressed with the insurer’s critical illness cover, he asked us to apply for him following our recommendation.


Ms K is now insured for £43,000 for critical illness which will run until her 65th birthday and her monthly premium is £18.81.

Client-id: 172358093

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.

Ms K and her partner kindly left us this review on Reviews.co.uk December 2021

“Would fully recommend Future Proof, I was told by other advisors I wouldn’t get cover without exclusions due to an existing condition – Future Proof found competitive cover within minutes. Simple, easy, friendly and in no way pushy. Dealt with Andy and couldn’t have asked for better.”

Next steps

Whilst you are welcome to get a quote online, we would recommend you speak to one of our advisers.

Any quote that your adviser provides you with will take into account your circumstances and medical history, as well as your budget!

An online 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.

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

Jon’s moving story – being diagnosed with cancer

The protection industry pays out over £5.7bn in claims in 2019

The protection industry pays out £6.2bn on 2020 claims

What questions will an adviser ask me?

Will my claim be paid?

Why you can trust Future Proof.

The benefits of an index-linked insurance policy

Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer from a medical condition and are 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.

Links to third-party websites exist for information only. We accept no responsibility or liability for the information contained on any such sites.
The existence of a link to another website does not imply or express endorsement of its provider, products or services by us or St. James’s Place.

*Breast cancer care.org July 2019

"*" indicates required fields

Fill in the form & we'll get back to you