Can I get income protection after having testicular cancer?
We were approached by Mr R, a 46 year old non-smoker and self-employed estate agent. He is the main breadwinner within his family, and due to the nature of his employment, does not receive any sick pay – he was therefore very aware of the importance of protecting his income.
He told us that he earns around £4,000 per month, and his outgoings were roughly £2,400, so we recommended a policy with a sum assured of £2,400 on a full income protection policy. This type of cover would pay out a monthly benefit of £2,400 until he either retires or recovers sufficiently to return to work.
However, Mr R disclosed to us that he had had testicular cancer 17 years previously. It was fairly early stage and he underwent an orchidectomy (surgical removal of a testicle) and radiotherapy. Thankfully there was no spread to his lymph nodes, and there has been no reoccurrence of the cancer since.
Our Process and advice
At Future Proof, we have access to specialist insurance companies who don’t deal directly with the public. These companies offer more specialised policies, designed to provide cover where other major providers can’t.
Our research process involves us contacting many insurers to find out the best possible outcome for our clients. Which avoids any nasty shocks later on during the underwriting process.
Would the insurer add a ‘loading’ to their standard premium? (this is an additional sum charged on top of their standard monthly premium to reflect their additional risk). Or, exclude a condition?
Might they decline the application? We want to avoid wasting time by making applications which may be declined.
We have up to date knowledge of the ever-changing landscape of underwriting for all providers in the UK. Future Proof are committed to thorough research so that you don’t have to. What’s more, our advice comes at no obligation and with no hidden costs. You don’t pay us directly but we do get paid by the insurer if you decide to start a policy with them.
During our research, we found that a lot of insurers wanted to write to his GP for further information because they wanted confirmation of the stage of his cancer. This information describes the size of the tumour, how far it has spread from where it originated, plus it grades the cancer. The grading of a cancer indicates the appearance of the cancerous cells and how fast they can grow.
However, one insurer said that they would offer our client standard terms (no increase to their standard quoted premium) without the need for his medical information, purely on the basis that had been clear of cancer for a long time.
Our client was very happy to accept the full income protection policy he needed – a policy which would pay a monthly benefit of £2,400 for a monthly premium of £78.99.
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.
Client id: 160501325
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.
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