Are you or a family member struggling to find insurance since having cancer? Insurers take many different stances when it comes to underwriting applications for people who have had cancer. It is therefore important to source the most appropriate insurance provider for your individual situation.
What is Cancer?
Almost everyone knows of someone who has been affected by cancer at some point in their lives. It can often be a life changing illness and can affect any part of the body.
Cancer is caused when cells in a part of the body grow uncontrollably. The cancerous cells then invade and destroy healthy tissue in other parts of the body such as the organs.
“1 in 2 UK people will be diagnosed with cancer in their lifetime”*
Can I get Life Insurance?
It is usually possible to arrange life insurance for someone who has had cancer, providing that all treatment has concluded and the applicant has been free of cancer for a certain period of time.
Can I get Critical illness and income protection?
Whilst it is possible in some circumstances, critical illness and income protection policies can be difficult to source for someone with a history of cancer. If cover is possible, you can expect the price to be higher than the quoted premium or exclusions to be made to any claims relating to future cancers.
*Cancer Research UK 2019