I finished my treatment in Dec 08, so am over 2 years free of cancer. I’ve found travel insurance without too much of a problem but have found through making loads of enquiries that I cannot get life insurance until I have passed 5 years since treatment. What an anomoly! To make matters worse, my doctor was happy for me to have the flu jab last year and the previous year, but I am no longer considered to be in a ‘vulnerable’ group this year, so I can’t have it. According to the NHS, I’m suitably recoverd (which is good news, obviously), but to insurance companies I’m not worth considering. They can’t both be right, can they??
I got my life cover from The Insurance Surgery who will cover you 2 years from end of treatment (am still on tamoxifen though) at increased premiums.
Hi
I was diagnosed December 2009. We made a claim with previous insurance company for critical illness which paid out but when we tried to re-insure they wouldn’t do it. We have found an independent financial adviser who has got Axa to cover my husband but won’t cover me for 2 years from when chemo ended but he did stress that it will be at a higher premium.
Krissi
Thank you both for your comments - will try the insurance surgery. Axa have already turned me down. As an aside, Axa were willing to give my husband life cover and he has type 2 diabetes and high blood pressure. The quote of £22 a month went up tp £63 once they had a medical report!
Does anyone know where you stand with existing life cover, I have a number of policies which I had taken out prior to BC and havent changed/stopped them. I’ve just let them continue but am I wasting money on this and if worst came to worst are they invalid?
I wondering exactly the same thing Alexc - feel I should ring my finacial advisor but can;t face it! Nicola
Hi ladies.
I used to work in life assurance so hopefully, I can help.
If your existing policies were taken out prior to BC diagnosis, then you are still covered. As long as all pre-existing illnesses were declared when you started the policy, then they will pay out in full in the event of a claim. (Assuming there were no health exclusions at the time).
Sue xx
Thanks Sue, thats really helpful, Nicola
Yes cheers Sue, Alex