What Is Breast Cancer Life Insurance
?
The Insurance Surgery is a leading insurance specialist helping clients, and their families, suffering from medical conditions that affect their insurance, such as breast cancer. With over 50,000 cases diagnosed every year, there are a significant number of people with breast cancer that the Insurance Surgery has helped to find low cost insurance policies for. Even if you have been refused insurance in the past, our team of insurance specialists may be able to find you cover.
Risk of aortic rupture
Nosebleeds
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 Breast Cancer Life Insurance works:
Breast Cancer life insurance terms and rates are very much dependent on the same variable factors as most other types of Cancer, such as:
Date of Diagnosis
Age at Diagnosis
Grade and Stage
Medication / Treatment
Time since end of treatment
The Insurance Surgery is a leading insurance specialist for people with all types of Cancer, such as for Breast Cancer life insurance. Our team of expert advisers has helped thousands of individuals to protect their families and businesses financially as well as help them to get the right cover at the right price.
Critical Illness Cover
As a breast cancer survivor you may be wondering whether you can get critical illness cover after breast cancer? If you have had Breast Cancer and you need
critical illness cover then it can be available in certain circumstances, but generally it will be offered with a cancer exclusion.
As with
other types of Cancer and critical illness cover, Breast Cancer critical illness cover terms will depend on the amount of time that has passed since you received treatment and the Grade / Stage of the Cancer you had.
Life insurance underwriters will almost always want to see a copy of your GP report of a report from your specialist to help them to assess your application for Breast Cancer critical illness cover.
If you have received treatment fairly recently for Breast Cancer or if you have had a high Grade / Stage Cancer then you will generally find that critical illness cover will be declined unfortunately.
There are some specialist products that may be available for you via The Insurance Surgery which exclude pre-existing medical conditions such as
Cancer and will cover you for other conditions.
If you have applied for Breast Cancer critical illness cover in the past and had cover accepted on special terms or been declined cover then it may be worth reviewing based on your current circumstances. Underwriting for Breast Cancer critical illness cover is improving and as time passes you are more likely to be able to get cover to protect your family.
Income Protection Insurance
Similarly to critical illness cover, Breast Cancer income protection can be accepted and from standard terms or standard terms with a Cancer exclusion depending on the amount of time since you ended primary treatment. Generally underwriting for income protection is slightly more strict than for critical illness cover so it can be more difficult to get cover in more recent Cancers and especially for more aggressive Cancers (e.g. higher Grade and Stage).
If you have applied for Breast Cancer income protection in the past and you have had cover accepted on special terms or been declined cover then it could be worth reviewing based on your existing circumstances. Terms and underwriting criteria for Breast Cancer income protection are constantly changing so things may have improved since you last tried to get cover.
Other types of Cancer Life Insurance:
Breast Cancer Life Insurance
Can breast cancer survivors get life insurance?
Anyone who has had Breast Cancer looking for life insurance will generally be able to get cover and it can be available at anything from standard terms up to postpone or decline. Terms for Breast Cancer life insurance will depend on a number of factors which will be assessed by underwriters, such as:
What date were you diagnosed with Breast Cancer and what age were you
How aggressive was your Cancer (e.g. Grade and Stage)
What treatment did you receive (e.g. Mastectomy, Lumpectomy, Chemotherapy etc.)
How long since treatment ended (Min. 2 years usually)
Breast Cancer life insurance rates can vary dramatically from one insurance provider to another and will generally depend on when you received treatment and the period of time in remission. Most applications that we see for Breast Cancer life insurance are accepted with either a loading to the premiums for a period of time following end of treatment or are accepted at standard rates for clients with several years since treatment and no further issues.
If you have applied for Breast Cancer life insurance in the past and have had cover accepted on special terms or been declined / postponed cover then it is advisable to review cover to see if the situation has changed. Life insurance underwriting terms are constantly changing, especially for conditions such as Breast Cancer so it is well worth reviewing your policy to see if you can save money.
Facts and statistics about Breast Cancer
Currently in the UK Breast Cancer is the most common form of Cancer. The majority of females are diagnosed with Breast Cancer when they are over 50 however it can occur in women under 50 as well.
Symptoms of Breast Cancer include:
Lump or fatty tissue in either breast (not present previously)
Difference in shape or size of one or both breasts
Discharge from the nipple
Armpits swell or lumps forming under the armpit
Skin around the nipple dimpling
Rashes on or around the nipple
Breast Cancer statistics:
Around 90% of lumps on the breast are not cancerous
Survival rates vary from 65% to 95% depending on Stage of Cancer
55,222 new cases on Breast Cancer (in the UK in 2014)
11,433 deaths from Breast Cancer (in the UK in 2014)
78% survival rate from Breast Cancer (’10-’11 in England and Wales)
