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Prostate Cancer Life Insurance

You may have found it difficult to secure Prostate Cancer Life Insurance, but rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Prostate Cancer Life Insurance?

The Insurance Surgery guarantees to obtain the most competitive life insurance quotes for those with severe medical conditions such as prostate cancer. Our experts have helped thousands of cancer sufferers to find the best insurers for their particular needs at the lowest prices available on the market. Prostate cancer life insurance depends on certain criteria that our team of insurance specialists will be able to help you with so that you can find the best policies tailored to your exact needs

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

How Prostate Cancer Life Insurance works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

Prostate Cancer life insurance premiums and terms will depend on what the underwriting criteria is for each life insurance provider, which will usually include:

Date of diagnosis

Grade / Stage

Treatment (e.g. Chemotherapy, Radiotherapy etc.)

Age at diagnosis

Period since treatment finished

The Insurance Surgery is a leading insurance specialist for people with all types of Cancer, including Prostate Cancer life insurance. Our team of expert advisers have many years of experience and have helped thousands of individuals to find the right cover to protect their loved ones at the right price.

Critical Illness Cover

Most Cancers are similar when it comes to applying for critical illness cover and it will depend on how long you have been in remission and any issues since end of treatment.

Prostate Cancer critical illness cover is available in certain circumstances where the Cancer has been treated or removed several years ago and there have been no further problems. Generally there would be a requirement to provide some additional medical evidence for Prostate Cancer critical illness cover such as a GP Report or information from a specialist.

Income Protection Insurance

People who have suffered from Prostate Cancer looking for income protection will generally find that cover may be available as long as:

There has been several years since treatment
Depending on the Grade / Stage of the Cancer

Usually there will be a Cancer exclusion applied to Prostate Cancer income protection policies which will also depend on time since treatment and severity of condition. There may also be an additional premium loading for some Prostate Cancer income protection policies as with the other types of cover.

Prostate Cancer life insurance

As with all other types of Cancer, it is important to understand that Prostate Cancer life insurance terms will depend on a number of key factors, such as:

Prostate Cancer life insurance

What was the Grade and Stage (Gleeson Scale)

Were you treated by Chemotherapy or Radiotherapy

Was the Prostate removed

How long has it been since your treatment ended (usually min. 2 years)

Prostate Cancer life insurance is generally available in the same way that most other types of Cancers are underwritten for life insurance. In our experience, Prostate Cancer is one of the better forms of Cancer for life insurance underwriting due to the relatively high survival rates in men. Underwriters when assessing Prostate Cancer life insurance applications will want to know how aggressive the Cancer was (e.g. Grade / Stage) and what treatment you received. Almost all Prostate Cancer life insurance applications will need to be supported by some sort of medical evidence from your GP or your specialist.

Prostate Cancer life insurance rates can vary from a relatively small premium loading up to a decline or postpone to cover being offered depending on the severity of your condition. In most cases we see where an increase to the premium for Prostate Cancer life insurance is applied, an increase will usually be applied for several years and then reduced to standard rates as the risk of re-occurrence reduces.

If you have applied for Prostate Cancer life insurance previously and been accepted on special terms or have had cover declined / postponed then it will be worth reviewing cover based on your current circumstances. The Insurance Surgery also has access to exclusive specialist providers and products to ensure that we are able to offer at least some cover to everyone with conditions such as Prostate Cancer looking for life insurance.

Facts and Statistics about Prostate Cancer

Prostate Cancer is a men only type of Cancer due to the fact that men are the only sex with a Prostate gland, which is a small organ that sits beneath the bladder and urethra. The prostate gland itself is roughly the size of a walnut in younger life and gets larger as men get older.

Most common prostate issues in men are:

Enlarged Prostate

Prostatitis

Prostate Cancer

Prostate Cancer develops generally in later life and usually affects males who are over 50 with an average age of diagnosis between 65 and 69 years of age. The Cancer usually develops when the cells in the Prostate begin to grow uncontrollably which can be either slowly to begin with (potentially causing no issues). In some cases the Prostate Cancer can be more likely to spread which is where treatment is required to prevent spreading to other organs or areas of the body.

Prostate Cancer Statistics:

1 in 8 men will get Prostate Cancer

Over 46,000 males are diagnosed with Prostate Cancer every year

Prostate Cancer is the most common type of cancer in males

Over 330,000 men currently living with or have recovered from Prostate Cancer

Every hour a man dies from Prostate Cancer (more than 11,000 each year)

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Does a HIV test affect life insurance?

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

Does life insurance cover HIV?

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Do you offer advice on travel insurance with HIV?

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

How Can The Insurance Surgery Help?

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Life and Health Insurance for Business

Specialised Business Insurance

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Prostate Cancer Life Insurance

What Is Prostate Cancer Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Prostate Cancer Life Insurance works:

Date of diagnosis

Grade / Stage

Treatment (e.g. Chemotherapy, Radiotherapy etc.)

Age at diagnosis

Period since treatment finished

Critical Illness Cover

Income Protection Insurance

Prostate Cancer life insurance

Facts and Statistics about Prostate Cancer

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat the price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies