I’ve tried digging around here but not come up with anything yet. I was diagnosed with high grade DCIS Jan 2010. Had lump removed, rads and on Tamoxifen for 5 years.
Luckily I didn’t need to take too much time off work, but if I had (ie if it was more than DCIS) we would have been in a real financial mess.
I’m therefore wondering if its possible to take out critical illness cover after having DCIS, and if anyone on here has actually done that. I’m thinking the premiums might be too massive, but not sure where to start looking.
Also - I have life insurance - do I need to tell them I have had DCIS?
Hi there, no you don’t need to inform your existing life cover company, that was written based on your health at the point of underwriting so isn’t a problem.
Hmmm, I don’t think you will get cover just yet. I am a “resting” IFA as I now care for my parents but I do remember a DCIS case about 5 years ago. I managed to get a client some life cover but it was loaded quite significantly. CI is usually much stricter though.
I would ask your friends for a referral to a local IFA they trust and see if you can get them to enquire via several of the life companies what their criteria are. Often it is 5 years clear, sometimes 3.
Hi Ali
Just asking…and picking your IFA ‘resting brain’ I was just talking to my sister, I have had BC twice both primarys one at 34 this current one at 48. She has not had BC , she is 40, and was wondering if my ‘history’ would affect her getting CI cover… her OH in the forces( well just finishing after his full 22 yrs) they have all the nec life /accident cover and will obviously have cover as they are in the final stages of buying a house. I am in the process of getting the genetic testing …if she wnts to pursue CI cover is now the right time …??? Im blown out with insurance now!!! XX Jeanette
Hi there, when you complete an application they do ask if any immediate family ie blood parent or sibling has had cancer, heart attack, stroke etc. They then ask at what age and sometimes if they are still alive etc.
I did have a client rated on a policy because her Mum had died of breast cancer at an early age. It does tend to depend on the company and also how many relatives have been affected. Sometimes one relative doesn’t cause any ructions but two does, with other companies one at a young age rings alarm bells.
Her best bet is to get a referral to a trusted IFA locally and get them to do some quotes then speak to the underwriters at the top 3 companies to gauge their attitude to it.
I know that a lot of CI policies will NOT pay out for DCIS but will for other, more invasive, types of BC so it may not be as big an issue as you think.