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Life Insurance

Life Insurance for those who have had breast cancer may be available at normal terms with some insurance providers. The terms offered for Life Insurance will be dependent upon the grading/staging of the cancer and the amount of time since your last treatment. Breast cancer that was diagnosed as low grading/staging with no recent treatment, may see your application for Life Insurance accepted at standard rates. Where the breast cancer was classed as high grading/staging and there have been recent treatments it is possible that your policy will be accepted at non-standard terms (a premium increase). In general the longer the timeframe since your diagnosis and treatment, the more favourable the terms will be for Life Insurance.

Get a Life Insurance Quote

Critical Illness Cover

Critical Illness Cover for people who have had breast cancer may be available with an exclusion. This will be dependent upon the cancer having been low grading/staging and following a set period of time since the last treatment. This may involve a full cancer exclusion to the policy claims set or a specific breast cancer exclusion. Where the breast cancer was of a high severity and/or very recent the insurance provider may decline to offer you cover or suggest that you postpone your application for a set period of time before Critical Illness Cover can be considered.

Get a Critical Illness Cover Quote

Income Protection

When you apply for Income Protection breast cancer will be reviewed by the insurance provider that you approach with specific focus upon the time since your last treatment for the condition and the severity of the cancer that you experienced. Breast cancer that occurred some time ago with no lasting complications may result in your Income Protection being offered at standard terms or with a cancer exclusion to the policy claims set. Instances where the breast cancer has been recent or rather severe may see the insurer place a cancer exclusion on the policy and/or a premium increase; it is possible that they may postpone any offer of terms until a longer period of time has passed since your recovery.

Get an Income Protection Quote

When terms for Income Protection are not suitable for you then you may wish to consider Accident, Sickness and Unemployment Cover. An Accident, Sickness and Unemployment policy will provide short term income protection of between 12-24 months if you are unable to work due to disability, severe illness or are made involuntarily redundant. This type of policy is not medically underwritten and you will not need to declare your breast cancer during the application process, meaning that there will be no impact upon the policy premiums or acceptance terms. However any claim that you make will exclude anything related to breast cancer.

Get an Accident, Sickness and Unemployment Quote

Some potential problems experienced by individuals who have had breast cancer include:

  • Low self esteem
  • Anxiety of the cancer returning
  • Regular screening (mammograms etc)
  • Early menopause

Medications and Treatments

  • Anastrozole (Arimidex)
  • Arimidex
  • Avastin
  • Bevacizumab (Avastin)
  • Caelyx
  • Capecitabine
  • Chemotherapy
  • Cosmetic surgery
  • Cyclophosphamide monohydrate (Endoxana)
  • Docetaxel (Taxotere)
  • Double mastectomy
  • Doxorubicin hydrochloride (Doxorubin, Myocet)
  • Epirubicin hydrochloride (Pharmorubicin)
  • Everolimus (Afinitor)
  • Exemestane (Aromasin)
  • Fareston
  • Faslodex
  • Fluorouracil sodium
  • Fulvestrant (Faslodex)
  • Gemcitabine hydrochloride (Gemzar)
  • Gemzar
  • Goserelin acetate (Zoladex)
  • Herceptin
  • Hormone Replacement Therapy (HRT)
  • Idarubicin hydrochloride
  • Lapatinib ditosylate monohydrate (Tyverb)
  • Letrozole (Femara)
  • Lomustine
  • Mastectomy
  • Medroxyprogesterone acetate (Provera)
  • Megace
  • Megestrol acetate (Megace)
  • Melphalan (Alkeran tablets)
  • Methotrexate (Maxtrex)
  • Methotrexate sodium
  • Mitomycin (Mitomycin-C Kyowa)
  • Mitoxantrone hydrochloride (Onkotrone)
  • Navelbine
  • Norethisterone (Utovlan)
  • Paclitaxel (Taxol)
  • Paclitaxel albumin
  • Radiotherapy
  • Tamoxifen citrate
  • Toremifene citrate (Fareston)
  • Trastuzumab (Herceptin)
  • Tyverb
  • Vinblastine sulphate (Vinblastine)
  • Vincristine sulphate
  • Vinorelbine tartrate
  • Xeloda
  • Zavedos
  • Zoladex

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Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Breast cancer typically occurs in females of any age but is generally diagnosed in those who are middle-aged or over and have been through the menopause; it is possible for males to get breast cancer but this is not common. Breast cancer is not necessarily an hereditary condition but the presence of the BRCA1 and BRCA2 genes do increase the likelihood of cancer developing. Breast cancer is usually a painless lump or swelling that is found within the breast tissue and it is recommended that women regularly check their breasts so that they are aware of any changes to the area.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research