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Kidney Cancer Life Insurance

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

Kidney Cancer Life Insurance

The Insurance Surgery is a leading insurance and personal protection expert for all types of Cancers such as Kidney Cancer life insurance, critical illness cover and income protection. Often it can be difficult to get personal protection policies where there is a history of cancer and terms can vary dramatically from one insurance provider to another depending on their underwriting criteria and their attitude to risk on Kidney Cancer. In most cases there will be certain requirements which will then determine how much you will pay and what covers are available for Kidney Cancer life cover, critical illness cover and income protection. If you have applied for Kidney Cancer life cover, critical illness cover and income protection in the past and been declined, deferred or been offered terms then you should contact one of our team of experts.

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 Kidney 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!

The main factors which will be taken in to consideration when any underwriters are reviewing an application for Kidney Cancer life insurance, critical illness cover or income protection are:

Age when diagnosed

Any chemotherapy or radiotherapy

Stage and grade

Date of primary treatment

How many lymph nodes affected

If you need help or advice about Kidney Cancer life insurance, critical illness cover and income protection then you should contact one of our experts to find out more. We have helped thousands of people with pre-existing medical conditions such as Kidney Cancer to get life insurance, critical illness cover and income protection to protect their families, homes and businesses.

Critical Illness Cover

If you have previously suffered from Kidney Cancer and you need critical illness cover then you should in most cases be able to at least get cover. Almost always you will be required to provide copies of your medical records or reports from specialist to provide evidence of your medical history for underwriters to assess your application.

Most applications that we see for Kidney Cancer critical illness cover will have at least a small premium loading which can vary depending on severity and provider.

For more severe cases you may find that applications for Kidney Cancer critical illness cover could be subject to higher premium loadings and possible exclusions which will very often be cancer exclusions.

If you have applied for Kidney Cancer critical illness cover and your application was declined or your cover was accepted with premium loadings/exclusions then you should speak to one of our specialists.

Income Protection Insurance

It is also possible to get Kidney Cancer income protection where the cancer was either low grade or if a long period of time has passed since you were diagnosed/treated. If your diagnosis or treatment was more recent then you will often find that Kidney Cancer income protection is either not available or a larger premium loading may apply.

The level of any premium loading for Kidney Cancer income protection will depend on the severity of the cancer (e.g. Grade and Stage) as well as how many lymph nodes were affected. There may also be exclusions which will be applied to your offer of cover which can also vary depending on which insurer you apply to and all the other factors above.

Kidney Cancer Life Insurance

Anyone with a history of Cancer will find that there will be additional underwriting requirements for any type of personal protection cover and Kidney Cancer life insurance is no exception. In almost all cases when applying for Kidney Cancer life insurance you will be required to provide copies of your medical records from your GP or specialist as well as provide any additional information regarding your condition, health and treatments.

Some of the main factors which will determine the premiums that you will pay for Kidney Cancer life insurance are:

How old were you when you were diagnosed with Kidney Cancer

What was the grade and stage of your Cancer

How many lymph nodes were affected

What treatment did you receive (e.g. Chemotherapy or Radiotherapy)

You may find that if you have previously applied for Kidney Cancer life insurance that you could be able to reduce your premiums on your existing cover if there have been no further issues since then. As with any other type of Cancer for life insurance, the longer you have had since you were diagnosed with or treated for the condition the lower your premium loadings will usually be.

Premiums for Kidney Cancer life cover can vary dramatically from one insurance company to another and will depend on your medical history. Premium loadings for this type of cover can vary from standard rates with no exclusions to anything up to a decline decision in more severe cases or recent diagnosis.

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 are looking for advice or a quote for Kidney Cancer life insurance, critical illness cover and income protection then you should contact one of our team of insurance experts.

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.

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By Policy

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Life and Health Insurance for Business

Specialised Business Insurance

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Kidney Cancer Life Insurance

Kidney Cancer Life Insurance

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Kidney Cancer Life Insurance, critical illness cover and income protection works:

Age when diagnosed

Any chemotherapy or radiotherapy

Stage and grade

Date of primary treatment

How many lymph nodes affected

Critical Illness Cover

Income Protection Insurance

Kidney 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