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Basal Cell Carcinoma Life Insurance

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

What Is Basal Cell Carcinoma Life Insurance?

The Insurance Surgery is a leading insurance expert for people with non-standard circumstances, such as people looking for Basal Cell Carcinoma life cover, critical illness cover and income protection. Most insurance companies would consider Basal Cell Carcinoma life cover, critical illness cover and income protection depending on the severity of the condition and whether the condition was a one-off or it has re-occurred. Our team of specialists will help you to find the best insurance provider to suit your circumstances and ensure that you get the right cover at the right price to protect yourself, your family and your home or business.

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

How Basal Cell Carcinoma life cover 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!

For ayone who has previously been diagnosed with Basal-Cell Carcinoma looking for life insurance, critical illness cover or income protection, there will be additional requirements to provide information such as:

When were you diagnosed with Basal-Cell Carcinoma

How many Carcinoma’s you have had

Which areas were affected

Treatment or medication

Any other medical issues

Our team of specialist advisers has worked with and helped thousands of people to find the right cover where they have non-standard requirements such as Basal-Cell Carcinoma life insurance, critical illness cover or income protection. If you have experienced problems getting life insurance previously because you have been diagnosed with a medical condition such as Basal-Cell Carcinoma then you should contact us.

Critical Illness Cover

Applying for Basal Cell Carcinoma critical illness cover can result in a number of different outcomes depending on your own medical history and whether your Basal Cell Carcinoma was a one-off event. Critical illness cover underwriting for any pre-existing medical condition can result in a range of decisions depending on your own circumstances and which insurance provider you are applying to.

Basal Cell Carcinoma critical illness cover decisions can vary from standard rates for one-off occurrences, however there could be higher premium loadings for multiple carcinomas or where there are other medical issues. If you have applied for Basal Cell Carcinoma critical illness cover in the past and been accepted with non-standard rates or even declined then you should speak to our experts.

Income Protection Insurance

Similarly to other applications for personal protection cover with Basal Cell Carcinoma, income protection can be accepted at anything from standard rates to a higher loading or even a decline if the condition is more severe with multiple carcinomas. We also see a number of cases where there are exclusions placed on the policy that is offered for anything that could be related to Basal Cell Carcinoma. It is important to apply to the best insurance provider for Basal Cell Carcinoma income protection to ensure that you get the best cover and keep your premiums low.

Does Basal Cell Carcinoma affect life insurance?

If you are looking for life insurance and you have previously been diagnosed with Basal Cell Carcinoma then you will be required to disclose information about your condition to your insurer. In most applications for Basal Cell Carcinoma life cover there will more than likely be a requirement to provide a copy of your medical records or at least a targeted report from your GP. This is purely to ensure that insurance underwriters can accurately assess your application for Basal Cell Carcinoma life insurance to ensure that they apply the correct decision.

If you are applying for Basal Cell Carcinoma life insurance then you may find that underwriting decisions will vary from one insurer to another due to the simple fact that underwriting criteria for each insurance provider is different. If you have suffered a one-off event and no further complications then you will generally find that Basal Cell Carcinoma life cover will be available at standard rates or very close to that.

For anyone who has suffered multiple carcinomas there should still be a strong possibility of getting cover at a reasonable cost, however there may be a loading to the premium which will depend on your own circumstances. If you have applied for Basal Cell Carcinoma life cover previously and been offered cover on special terms or even been declined cover altogether then you should contact our team of insurance experts.

1 in 4 at risk of developing AF over the age of 40

50% of people who have suffered an AF related Stroke will not survive past 12 months

33% do not realise that they have developed Atrial Fibrillation

You are 5 x more likely to suffer an AF related stroke if untreated

Causes of Atrial Fibrillation

Nobody currently knows the exact cause of Atrial Fibrillation, however it is known that it is more common within certain age groups (over 40) and social groups.

Atrial Fibrillation is also more commonly found in people who suffer from other heart related conditions, such as:

Heart Valve Disease

Cardiomyopathy

Raised Blood Pressure (Hypertension)

Congenital Heart Disease

Pericarditis

Atherosclerosis

The Insurance Surgery is a leading Asthma life insurance expert and we have helped thousands of families, individuals, and businesses to protect their financial future.

Diabetes

Asthma

Overactive Thyroid

COPD

Lung Cancer

It is also known that there are certain events that can cause an episode of Atrial Fibrillation to trigger, including:

Excessive / Binge drinking

Obesity

Smoking tobacco products

Excessive amounts of caffeine

Illegal drugs

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

For more information about Basal Cell Carcinoma life cover, critical illness cover and income protection contact our team of experts to find out what we can do to help.

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.

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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