Life Insurance for people who have had cancer may be available at normal terms once a set period of time has passed since you finished your treatment for the condition. Until then, Life Insurance will be reviewed by the insurer based upon the severity of the prostate cancer as indicated by the Gleeson scale (staging/grading of your diagnosis). It is most likely that the cover will be available at non-standard terms which will involve an increase to the policy premiums for a number of years after your diagnosis. The insurer will want to see a report from your GP to confirm the diagnosis that you received, the treatments that you had and the time since this ended.
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Critical Illness Cover
Critical Illness Cover for people that have had prostate cancer will likely come with a cancer exclusion on the policy for a number of years after you have recovered from the condition. Again, the insurer will want to see a report from your GP to confirm the staging and grading of the prostate cancer, the treatments that you underwent and the time since all treatment had ended. If the cancer was of a low staging and grading you may be able to secure Critical Illness Cover at standard terms without an exclusion, once a set amount of years have passed.
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Income Protection for those who have had prostate cancer may be available with a cancer exclusion to the policy, for a number of years after your diagnosis. Once there has been sufficient time since your diagnosis the insurer may be able to offer Income Protection without a cancer exclusion, but they may increase the premiums slightly if it was a higher staging.
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If you find that the terms for Income Protection do not suit your needs, it may be worthwhile considering an Accident, Sickness and Unemployment policy. Such policies offer monthly income replacement of between 12-24 months, if you are unable to work due to disability, long-term injury of involuntary redundancy. These policies are not medically underwritten which means that your having had prostate cancer will have no bearing on the policy price or acceptance terms. It is worthwhile noting that whilst this is the case, any claim that you place will be medically assessed, and any claim relating to existing conditions excluded.
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Some potential problems experienced by individuals who have had prostate cancer include:
- Incontinence issues
- Family planning considerations
- Anti-androgen treatment
- Digital rectal examination (DRE)
- High-intensity focused ultrasound (HIFU)
- Hormone therapy
- Lutenising hormone-releasing hormone (LHRH) agonists
- PSA test
- Radical prostatectomy
- Steroid tablets
- Trans-urethral resection of the prostate (TURP)