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Skin Cancer Life Insurance

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

What Is Skin Cancer Life Insurance?

We are a leading insurance specialist based in the North West for people who have pre-existing medical conditions which includes all types of Cancer, including Skin Cancer life insurance, critical illness cover and income protection. If you have previously suffered from Cancer then you may think that it is not possible to get cover to protect your family but that is not always the case and especially for milder forms of Cancer such as Skin Cancer which has a high survival rate and lower chances of future issues if found early.

People looking for Skin Cancer life insurance, critical illness cover or income protection to protect their families should make sure that they apply to a medical conditions insurance specialist to make sure that they have the best chance of getting cover and at the right price.

In this section we look at how an application for Skin Cancer life insurance, critical illness cover and income protection will be assessed by underwriters in the current marketplace with the UK’s top providers. You can contact one of our team of Insurance Surgery expert advisers to find out more about how we can help you to protect the things that matter most to you.

Symptoms of Skin Cancer:

Lumps or ulcer on skin

Bleeding skin lesions

Essentially there are no major issues in the symptoms of Skin Cancer for life insurance, critical illness cover or income protection in terms of underwriting however the issues are where the lumps become cancerous.

How Skin 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 have previously been diagnosed with Skin Cancer and you are looking for life insurance, critical illness cover or income protection then you will be required to disclose information about your condition, such as:

Age at diagnosis

Radiotherapy or Chemotherapy

Date treatment ended

Grade or Stage

Surgery (Removal)

If you need more help to get a competitive quote for Skin Cancer life insurance, critical illness cover or income protection then you should speak to one of our team of experts today. We aim to get you the right cover to protect your family and save you money on your premiums.

Critical Illness Cover

It is generally possible to get Skin Cancer critical illness cover which is one of the most simple types of cancers to get critical illness cover for. You may also find that your premiums can vary from as little as standard rates where the grade/stage are low and if there has been a period of several years since you suffered symptoms. For more severe symptoms where the grade/stage is higher or if the treatment was fairly recent then you may find that your premiums for Skin Cancer critical illness cover could increase, you may also have a cancer exclusion applied to your policy.

Income Protection Insurance

There should also be a strong chance for being able to get a policy to cover for Skin Cancer income protection as with life insurance and critical illness cover, especially where symptoms are mild or if the condition was several years ago. Underwriters will want to know more about your condition and symptoms to accurately assess your application for Skin Cancer income protection. Premiums and cover for Skin Cancer income protection can vary from standard rates to decline depending on your circumstances.

Skin Cancer Life Insurance

It is possible to get a policy to cover Skin Cancer life insurance which can also be available from standard rates which is the same premium as someone with no pre-existing medical conditions. You will more than likely have to provide a copy of your medical records to support your application which will be requested from your GP to support information provided by us. The premiums that you will pay may increase for more severe cases where the grade or stage of the cancer is higher or if the treatment was more recent which can cause possible concerns for future problems. Some of the key issues when assessing an application for Skin Cancer life insurance are:

How old were you when you were diagnosed with Skin Cancer

What treatment did you receive

Have you had surgery to remove the lump

What was the grade and stage of the tumour

You may find that your Skin Cancer life insurance premiums will increase if the grade and stage of the cancer is higher or if your treatment was recent as underwriters will want to see a period of time where there are no relapses.

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 help or advice to get a competitive quote for Skin Cancer life insurance, critical illness cover and income protection you should get in touch with The Insurance Surgery to find out more.

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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Life and Health Insurance for Business

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Skin Cancer Life Insurance

What Is Skin Cancer Life Insurance?

Lumps or ulcer on skin

Bleeding skin lesions

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

Age at diagnosis

Radiotherapy or Chemotherapy

Date treatment ended

Grade or Stage

Surgery (Removal)

Critical Illness Cover

Income Protection Insurance

Skin 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 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!*