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Testicular Cancer life insurance

You may have found it difficult to secure life insurance with Testicular Cancer. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Testicular Cancer life insurance?

We are a leading insurance specialist for people who are classed as non-standard because of their pre-existing medical conditions including all types of cancer such as Testicular Cancer life insurance, critical illness cover and income protection. Anyone with a pre-existing medical condition will appreciate how important it is to get the right cover to protect their loved ones but also how difficult it can be to get the right cover at the right price.

Our team of experts has helped thousands of people with medical issues to get the best cover to protect their families, including Testicular Cancer life insurance, critical illness cover and income protection.

Here we look at how an application for Testicular Cancer life insurance, critical illness cover or income protection will be assessed by underwriters and what that can mean to your premiums or the cover that is available. The Insurance Surgery specialises in finding these policies for people who are classed as non-standard by insurers so we know what providers will be best for your circumstances.

Symptoms of Testicular Cancer:

Swelling in the scrotum

Lumps or growths

Dull ache

Feeling of heaviness

How Testicular Cancer life insurance, critical illness cover and income protection 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!

If you want to apply for Testicular Cancer life insurance, critical illness cover or income protection then you will find that there are a number of key factors which will determine your application for cover, such as:

Date diagnosed

Stage/Grade

Treatment or Surgery

Time since treatment

Any other medical or health issues

For more information about Testicular Cancer life insurance, critical illness cover or income protection you should contact one of our team of experts on 0800 083 2829.

Critical Illness Cover

It may be possible to get a policy to cover for Testicular Cancer critical illness cover however it will not be as simple as getting a life insurance policy for this type of condition. It is also possible to even got a Testicular Cancer critical illness cover policy at the same rates as someone with no pre-existing medical issues where the grade/stage are low or if the diagnosis was several years ago. If the diagnosis was more recent or if the stage/grade was higher then you may find that your Testicular Cancer critical illness cover policy premiums could increase or you may even have an exclusion applied to your cover.

Income Protection Insurance

Your application for Testicular Cancer income protection will very much depend on the grade/stage of your tumour and whether you have had any issues in the past few years. If you have been recently diagnosed then you will generally find that Testicular Cancer income protection will not be available for a period of time until your cancer has cleared and treatment has finished. In more severe cases you may find that Testicular Cancer income protection can be offered with an exclusion for cancer and potentially an increase to your premiums.

Testicular Cancer life insurance

It is generally very possible to get cover for someone who wants a policy for Testicular Cancer life insurance in most cases unless the diagnosis was either too recent or if the person is still receiving treatment. It can be possible to even get a policy to cover for Testicular Cancer life insurance at the same rates as someone with no pre-existing medical conditions. In most cases where there is a Testicular Cancer disclosure on a life insurance application you will be required to provide copies of your medical records which we will deal with for you.

Premiums for Testicular Cancer life insurance will depend on:

What age were you when you were diagnosed

Have you received any radiotherapy or chemotherapy

When did you last have any primary treatment

Has your testicle been removed

If your testicle has been removed and there is no ongoing issues then you might find that you can get cover with no additional premium loadings. If your treatment or surgery was in the past 12 months or 2 years then you may find that your Testicular Cancer life insurance could be postponed for a period of time to allow for any issues to have passed and tests to be completed.

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

If you need help or advice to get a competitive quote for Testicular Cancer life insurance, critical illness cover and income protection then you should speak to one of our team of experts today on 0800 083 2829.

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

Forbes Advisor, 2025

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<br>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.

Family

By Policy

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What Are the Most Dangerous Occupations?

Is Income Protection Insurance Worth It?

Life and Health Insurance for Business

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Helpful Information

What is Income Protection

Is Income Protection Insurance Worth It?

Testicular Cancer life insurance

What Is Testicular Cancer life insurance?

Swelling in the scrotum

Lumps or growths

Dull ache

Feeling of heaviness

How Testicular Cancer life insurance, critical illness cover and income protection works:

Date diagnosed

Stage/Grade

Treatment or Surgery

Time since treatment

Any other medical or health issues

Critical Illness Cover

Income Protection Insurance

Testicular Cancer life insurance

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<br>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