Is Life Insurance Possible After Lobular Carcinoma?
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.
When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.
Our client is a 47 year old lady, who was looking for life insurance to provide financial protection for her children in the event of her death.
She had been diagnosed with Stage 1 grade 3 Breast Cancer in 2011 (Lobular carcinoma).
The stage of a cancer describes the size of a tumour and how far it has spread from where it originated. The grade describes the appearance of the cancerous cells.
Stage I – the cancer is small and hasn’t spread anywhere else.
Grade III – cancer cells that look abnormal and may grow or spread more aggressively
She had a mastectomy , chemotherapy and radiotherapy, luckily, there was no spread to the lymph nodes. She has been clear since 2012.
Most insurers would be able to offer life insurance but would add a hefty loading to the premium (some temporary for a few years and some permanent). The increased premium reflecting the increased risk that they believe the client would pose. Being totally independent we have access to all insurers and rang around to find the best possible outcome.
As the client has remained cancer free since 2011, we were able to find an insurer that was willing to arrange cover at a normal premium. (£100,000 level term to age 90 = £40.36 per month).
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.
For more information on Breast cancer :
Breast Cancer Care: The only UK wide charity providing care, information and support to people affected by breast cancer both living with and beyond.
Interested in related stories?
- Read Jon’s moving story about his cancer diagnosis.
- Read how we helped someone with a family history of breast cancer arrange critical illness insurance
- The Benefits of an Index-Linked Life Insurance policy
- Life Insurance and a history of Mental Health Issues
- Watch our short video about why a life insurance trust is so important.
- How does terminal illness and critical illness cover differ?
- What Questions will I be asked when i speak to an adviser about Life Insurance?
Whilst you are welcome to get a quote on-line we would recommend you talk to one of our advisers.
Any quote that your adviser provides you with will take into account to your circumstances, 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.
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.