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When you apply for Life Insurance, Critical Illness Cover or Income Protection it can be quite daunting to understand what you do and do not need to tell the insurance provider. As a general rule of thumb you should tell them absolutely everything that is relevant to your medical history.

However, a big exception to this is if you have had genetic testing to see if you carry a mutation of the BRCA1 and BRCA2 genes. Insurance providers are not allowed to penalise your application for Life Insurance, Critical Illness or Income Protection if you have been shown to have a mutation in the BRCA1/BRCA2 genes. This is because whilst you have the gene it does not automatically mean that you will definitely develop cancer at some point, you are just at a heightened risk of doing so.

For most cases where the genetic test has been performed due to family history you will not need to inform the insurance provider that you have had the tests done, or the results of the test.

You must be truthful throughout all stages of your insurance application or else any policy that you have in place could be void when a claim is made. This is because at the point of claim the insurer will ask for a report from your GP to confirm your medical history, present diagnosis or cause of death before officiating the claim.

If you have undergone genetic testing for the BRCA1/BRCA2 mutation because you have had symptoms that have raised a concern regarding your health e.g. a lump, then this needs to be fully detailed to the insurer. In addition to this if your mother and/or sister(s) have had breast cancer before the age of 65 this will need to declared on any application that you place for Life Insurance, Critical Illness Cover or Income Protection.

Provided that you do not personally have any symptoms indicating that cancer is present and there are no other medical conditions to disclose, then you should be eligible for standard terms for Life Insurance, Critical Illness and Income Protection.


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