Testicular cancer

Can I get life insurance after having Testicular Cancer?

You are welcome to get a quote on-line however we would recommend you talk to one of our advisers. Your adviser will take into account your medical history – an on-line quote won’t. They will also will make sure any quote provided to you with is appropriate to your situation, as well as your budget!

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

Case study

We were contacted by our client, a 35 year old, male, non smoker.  He wanted to arrange a life insurance policy to provide cover for his repayment mortgage (£282,000 over 30 years).

We discussed a decreasing term assurance policy, which is the most cost effective way of protecting a repayment mortgage. However, he told us that he wanted a level term policy to provide additional family protection as well.

Our client had a medical history and two years ago was diagnosed with a T2 N0 M0 Classical Seminoma (low grade testicular cancer). Tumor (T): There are 3 stages of testicular cancer: stages 1, 2, and 3. The stage provides a common way of describing how advanced the cancer is so that doctors can work together to plan the best treatments. Stage I is the least advanced and stage III is the most advanced. (Cancer.net)

The client also had a small volume of Para Aortic Lymph Node involvement. Lymph node involvement usually makes it difficult to obtain cover. This was diagnosed in early 2015, the lymph node spread was noticed in September 2015 and he has had the all clear since November 2015.

What a great outcome!

Most companies said that they would increase the premium significantly. However, after obtaining a copy of the client’s medical records (the client emailed me very detailed letters from his consultant), one insurer was able to offer him cover on standard terms. This means we arranged our client the cover at the same cost as someone who’s never had cancer.

Read Jon’s moving story about his testicular cancer diagnosis and what happened when he made a claim on his critical illness policy.

Next steps

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

Your adviser will take into account your medical history – an on-line quote won’t. They will also will make sure any quote provided to you with is appropriate to your situation, as well as your budget!

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

If you would like to know more about who we are, or how you will be dealt with, 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.

For more information and support on Testicular Cancer please contact:

NHS Choices

Orchid – National male cancer helpline 0808 802 0010

Get a Quote

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