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life insurance question

Sassy0ne
Sassy0ne Posts: 11 Forumite
in Insurance & life assurance
Hello, I am having a really hard time getting life insurance after having cancer.. I am 7 years cancer free and still cant get a policy. Any advice?

Comments

  • dunstonh
    dunstonh Posts: 120,346 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    There are specialist insurers who would take you on. Most of them are available via IFAs. However, it is unlikely to come cheap.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • kingstreet
    kingstreet Posts: 39,349 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    See a specialist adviser like an IFA.

    There are specialist providers who offer cover to impaired lives if the IFA can't find a standard policy for you.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • Quentin
    Quentin Posts: 40,405 Forumite
    The Macmillan cancer support charity has a list of companies that may offer life insurance to people with cancer:

    http://www.macmillan.org.uk/Cancerinformation/Livingwithandaftercancer/Financialissues/Insurance/Buyinglifeinsurance.aspx
  • storecards
    storecards Posts: 4 Newbie
    There is so many websites which offers life insurance for cancer people...
  • dunstonh
    dunstonh Posts: 120,346 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    storecards wrote: »
    There is so many websites which offers life insurance for cancer people...

    Google translate would be better than the site you are using in your spam.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • robin_jack
    robin_jack Posts: 5 Forumite
    I agree with "Quentin" The Macmillan cancer support charity has many company which provide the lot of faculityes for cancer effect people you just have need to concern with your personal advisor he can advise you more better about it
  • dunstonh
    dunstonh Posts: 120,346 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    This thread seems to be attracting spam bots
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • weighty1_2
    weighty1_2 Posts: 373 Forumite
    ALL life insurance companies will "consider" offering cover, however, the terms you end up with will be dependent on various factors including, the type of cancer, the stage and grading of the cancer, whether there was any lymph node involvement and whether there has been any recurrence.

    Depending on how aggresive the cancer was in the first place impacts how long it is before you can achieve favourable rates and in some instances mainstream insurers may never offer terms.

    If you speak to an IFA who regularly writes protection business or a protection specialist then they should be able to help, or at least exhaust all options available to you.
  • Sassy0ne
    Sassy0ne Posts: 11 Forumite
    Thank you everyone.. and Quentin i found your post to be must helpful.. I did do some searching, Im just really scared to be scammed.. There are a lot of sites looking for your information, then offering you nothing.
  • dunstonh
    dunstonh Posts: 120,346 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    did do some searching, Im just really scared to be scammed.

    use a local IFA then. They will be FSA regulated and will have a special process for dealing with such cases. The web is unlikely to be helpful here as it tends to want to cherry pick the easy stuff. This is specialist
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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