Insurance policies for those diagnosed with cancer

wicksy

I'm 30 years old and was diagnosed with Papillary Thyroid Carcinoma last year. They say if you could choose the type of cancer you get, this would be the one to go for due to its highly successful treatment.

Unsurprisingly, insurance companies won’t go near me and I don’t know what to do. It seems to be a case of ARRRGHHH - He mentioned the C Word!! It's not unlike taking your car to that dodgy 'motor engineer' for him only to shake his head, frown, whistle gently and tut whilst seeing how much money you've got in your wallet. I have a wife and 18 month old son and want to protect them should anything happen to me (as it has now become clear to me that anything could happen to anyone at any time - it pains me to say this as I know that this is just what insurance companies love to hear!).

If one in three of us will contract Cancer in our lifetimes, what are we supposed to do for insurance or are we considered 'tarnished' by insurance companies for the rest of our days? Is critical illness cover now out of the question for me? I understand I am able to increase cover on my existing decreasing term life cover by up to £50k when moving to a new property without having to provide further medical history. Is there anything I need to be careful of if I choose to take advantage of this?

Here's hoping someone may be able to offer some guidance / recommendations.

jasonking

I have referred to our Special Risks team who specialize in getting cover for 'non-standard' applicants like yourself. We are confident that we could get affordable cover for you with a decent insurer but you will have to get in touch with us first so we can take full details. Like you say this is one of the most 'benign' forms of Cancer.

Porker

you could try the following:

Medi travelcover - 01252 782392
AllClear - 0870 777 9339
MediQuote - 0845 88 00 168

all cover pre existing medical conditions including cancer.

HTH, good luck.

Tim_Dodd_2

wicksy, the LifeWizard (life insurance comparison tool) on https://www.insurancewide.com actually takes this into account and asks about medical condition and dangerous risks in occupation and hobbies. There's a specialist life insurance broker on the system which specialises in this. Worth a go.