Life Insurance for People who have previously had Cancer
Designed to provide a financial safety net for your family if the unthinkable should happen to you.
If you've previously had cancer, it may still be possible to find Life Cover.
It all depends on the details of your circumstances.
This is why we believe you should talk to an expert like Moneysworth. We're here to help you get the most suitable policy.
We've helped find Life Insurance for people who have survived cancer.
If it's possible to obtain Life Insurance for you, the price of the policy will depend on the details of your health and the type of cancer you had.
If you've previously had one of the folowing types of cancer, we may be able to help you find Life Insurance even if you’ve been refused cover elsewhere:
- Anal cancer
- Bladder cancer
- Bowel cancer
- Breast cancer
- Cervix cancer
- Colon cancer
- Colorectal cancer
- Hodgkin Lymphoma
- Kidney cancer
- Larynx cancer
- Non-Hodgkin Lymphoma
- Prostate cancer
- Rectal cancer
- Skin cancer
- Testicular cancer
- Thyroid cancer
- Uterus cancer
- Vulva cancer
For other forms of cancer, please contact us to discuss the details of your condition and we will do our best to help you. Our friendly team will listen to your questions or concerns carefully and sensitively.
What are the possible outcomes if you apply for Life Cover?
- In some cases, the insurer may decide to offer you Life Cover at their standard rates, but usually an offer of cover would be at an increased premium.
- Or the insurer may decide that the risk is too great – and decline an application for Life Insurance altogether.
- In other cases, the insurer may decide to defer making a decision until a certain period of time has passed (sometimes referred to as a postponement).
If you take out Life Cover, will there be an exclusion for death from the cancer that you previously had?
Our piority is to help you find an insurance policy that includes cover for death from all cancer, including the type of cancer you previously had.
We also have access to a Life Insurance plan that excludes any claim for death from the type of cancer that the client previously had. That exclusion would also apply to death from any other health condition that can be causally linked to the previous cancer. This option is very much a last resort which may be considered if no insurer is willing to offer cover due to the nature of the previous cancer.
We believe we've got the expertise to help you find suitable cover
Insurance companies may make different decisions about offering you Life Cover. There can also be significant differences in the premiums they might offer you.
Our service is designed to help find suitable life cover.
Already got Life Cover? Think you're paying too much for it?
If you already have cover in place but arranged it several years ago, it could be a good idea to talk to Moneysworth – we might be able to find a better deal for you.
A 44 year old lady came to us looking for £180,000 of Life Cover over an 18 year term. Sadly, 5 years earlier, she had been diagnosed with Grade 2 Breast Cancer, resulting in a mastectomy and chemotherapy treatment.
Following our research, we were able to find an insurance company who offered her the cover she required without any exclusions for cancer. The premium was increased for the whole term of the policy, as well as a temporary additional premium for the first 3 years. This means for the first 3 years of the policy her Life Cover costs £155.57 per month, and after 3 years the premium reduces to £46.01 for the remaining 15 years of the policy.
How Moneysworth is better placed to help you find Life Insurance
Why? Because when insurance companies look at your condition and requirements, they don't always make the same decision.
If you were to ask just one or even a few insurers, how would you know if the terms you're being offered are really competitive? Also, if those insurers decline to offer you any cover, how would you know if other insurers in the market would make the same decision?
Moneysworth deals with insurance companies across the market, so asking us to find Life Insurance on your behalf could save you a lot of time and worry. This is a real benefit if you want to feel confident that you're getting a really good outcome.
Before applying to insurers, we carefully examine the details of your circumstances. We have a wealth of experience in searching for Life Cover for people with health conditions, which means there's a good chance of finding life insurance with affordable premiums.
We've even developed special research processes designed to help you get a favourable result. So, by the time we apply, we already have a good idea of what the final outcome might be - and can usually give you an idea of the price as well.
If Moneysworth can't get you the cover you are seeking, it probably isn't possible to obtain.
We know (based on personal experience) the value of Life Insurance. It's one of the reasons that we're so dedicated to helping each and every client find the most suitable result.
Very few other companies are able to offer you the level of specialist knowledge and experience that our team has gained. Moneysworth has been successfully sourcing Life Insurance for people with health conditions for over 20 years.
Moneysworth provide a personal service for every client. Right from the beginning, you'll speak with a real expert. No endless telephone menu options or being passed around different departments.
We help you throughout the whole process, providing you with explanations along the way. We aim to make the journey as easy as possible for you, ensuring that you feel fully-informed.
Peace of mind is worth waiting for! Why writing to your GP is a good thing…
When a life insurance company writes for medical information from a doctor, they will need to wait until they get the information back in order to make a final underwriting decision. Inevitably, this means that it takes a while to get a final answer.
However, if the life insurance company receives medical information from your GP and decides to make you a definite offer of life insurance, you can feel safe in the knowledge that the insurance company has taken independent medical verification before offering the terms.
Why is it so important that the insurance company sees your medical information?
Well, providing that you have fully and honestly answered all the questions on the application form, you can feel confident that the cover is fit for purpose and – if the worst happens – the policy will pay out.
We believe that knowing the policy will pay out is the most important thing for all clients – especially if you already have a health condition.
Many people come to Moneysworth after being declined Life Cover elsewhere.
We're often successful in finding Life Cover for these people. Different life insurance companies often take differing positions on the same information. Our processes are designed to help identify where you can get the most favourable result.
There are cases when, despite our best efforts, we are unable to find cover – but usually we are able to find the cover you require.
Looking for Travel Insurance for people with health conditions?
Call us 01625 462 744
Before calling us, please make sure you have read and understood our Privacy Notice .
We don't charge you a fee
If you start a policy, we will be paid a commission by the insurance company. The insurance company will usually pay for any doctor's fees if reports are required.
Did you know?
Perception vs. Reality…
Some people think that insurers don't usually pay out for Life Insurance, Critical Illness Cover and Income Protection claims.
However, in 2019, a record high of 98.3% of Life Insurance claims made were paid, including 97.4% of term Life Insurance claims, 91.6% of Critical Illness Cover claims and 99.9% of Whole of Life claims.