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Leukaemia Life Insurance

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

What Is Leukaemia Life Insurance?

The Insurance Surgery specialises in helping people with pre-existing medical conditions to find insurance cover to help protect themselves and their loved ones which also includes Leukaemia life insurance, critical illness and income protection. There are a number of ways in which having Leukaemia can impact your chances of being able to get life insurance, critical illness and income protection so it is important to speak to an expert when applying for cover.

Unfortunately most of us wait until after the event before we consider taking out insurance to protect our loved ones but that does not necessarily mean that it’s too late so it is definitely worth speaking to one of our team of expert advisers to see what we can do to help you.

In this section of our Insurance Surgery specialist website we look at and consider the impact that your condition can have on your applications for Leukaemia life insurance, critical illness and income protection. In most cases there will be additional underwriting requirements for any type of cancer which will usually be a request to view your medical records from your GP or specialist.

Types of Leukaemia:

Acute myeloid leukaemia

Acute lymphoblastic leukaemia

Chronic myeloid leukaemia

Chronic lymphocytic leukaemia

Hairy cell leukaemia

There are a wide range of potential risks and possible variables for underwriting of Leukaemia life insurance, critical illness and income protection which can be very different from one insurance provider to another. Our team of experts will speak to you about your own circumstances and condition to understand more about you and to then be able to identify which insurance company is best for you.

How Leukaemia 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!

For anyone wanting to apply for Leukaemia life insurance, critical illness and income protection, they will be required to answer several key questions about their medical history and condition which will include:

Date/age diagnosed

Number of attacks

Type of leukaemia

Treatment or surgery

Further investigations or outstanding results

For more information about your quote for Leukaemia life insurance, critical illness and income protection or to simply speak to one of our team of advisers you can contact us on 0800 083 2829 today.

Critical Illness Cover

In some circumstances it may even be possible to get a Leukaemia critical illness cover if your condition and treatment was several years ago and depending on the grade/stage. As with life insurance, you will probably be required to provide a copy of your medical records to the insurance underwriters who will then be able to accurately assess your application for Leukaemia critical illness cover.

Premiums for Leukaemia critical illness cover can vary from standard rates where the condition was treated a number of years ago with no ongoing issues up to possible decline if you suffered symptoms recently or had treatment recently.

Income Protection Insurance

It can also be possible to get Leukaemia income protection in some circumstances where the condition was suffered and treated a number of years ago. Underwriters will want to know whether you have had any ongoing issues or whether you have received any treatment in the past several years. Rates will also depend on your grade and stage which your GP should be able to tell you about if you contact them.

Leukaemia Life Insurance

It is generally possible to get a quote for Leukaemia life insurance if the condition was several years ago and there are no ongoing investigations or outstanding test results. You may often find that the underwriter for your application for Leukaemia life insurance will want to view a copy of your medical records to give them an accurate picture of your health and medical history. It may even be possible to get Leukaemia life insurance cover at the same rates or very similar rates to someone who does not or has not suffered from a pre-existing medical condition.

Premiums for Leukaemia life insurance will depend on:

How old were you when you were first diagnosed

How many episodes have you suffered from

Have you had any chemotherapy or radiotherapy

When did you last suffer any symptoms

You should know that premiums for Leukaemia life insurance can vary dramatically from one insurance provider to another and that your cover options will generally be similar so it will purely be price driven. Underwriting for Leukaemia life insurance will mean that your premiums will be based on the level of risk involved with your own circumstances which could mean that you may have to pay more for cover if your circumstances reflect an increase in risk.

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 free advice to get a competitive quote for Leukaemia life insurance, critical illness and income protection then you can contact one of our team of specialists on 0800 083 2829 today.

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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By Policy

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Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Leukaemia Life Insurance

What Is Leukaemia Life Insurance?

Acute myeloid leukaemia

Acute lymphoblastic leukaemia

Chronic myeloid leukaemia

Chronic lymphocytic leukaemia

Hairy cell leukaemia

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

Date/age diagnosed

Number of attacks

Type of leukaemia

Treatment or surgery

Further investigations or outstanding results

Critical Illness Cover

Income Protection Insurance

Leukaemia 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 beatthe 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

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