72.7K members
1.2M posts
cancel
Showing results for 
Search instead for 
Did you mean: 

Life insurance

17 REPLIES 17
Daised
Member

Re: Life insurance

Hi all

 

I've been reading through this thread on life insurance. It looks like a bit of a nigthmare! I'm just moving house and looking for life insurance to cover the mortgage.  I have spoken to 2 providers, one said no cover until 2 years post end of treatment (Polly) and the other (Reassured) said 1 year after treatment ends.  I'm just 1 year post diagnosis so I don't qualify.  I wondered if anyone has found a life insurance provider that will cover you without the post treatment timescale?

 

Thank you lovely peolple

😊

x

Esikenang
Member

Re: Life insurance

Of course, I use health insurance. During a pandemic, it is especially important. I also take care of property insurance: my house and my car. All types of insurance are vital. We care about our safety, so we try to prevent any undesirable situations. For example, my son was riding his bike and was involved in a minor accident. The medical insurance covered his treatment, and the bicycle insurance company covered his bicycle repair. It's very convenient when you can be sure that you'll get the help you need. If anyone has been in a similar situation, I recommend sundaysinsurance.com, a good bike insurance company.

Katarienr
Member

Re: Life insurance

What other types of insurance do you use besides the life one?

wendypayne
Member

Re: Life insurance

I don't think it's worth it. Stay positive. Considering that it's complicated life insurance, you most probably will end up paying a lot more than you might get for it. The best option would be to try and make savings by myself. I am not sure I want to make someone rich based on my misfortune. The only insurance I find helpful is the errors and omissions I got at https://www.liabilitycover.ca/consultants-errors-omissions-insurance/. It really helped save my firm from bankruptcy.

Honlaw
Member

Re: Life insurance

Starting adult life is stressful and exciting at the same time. Of course, I was searching for life insurance because you could never know. After some researches, I discovered this site: https://www.lifeinsuranceblog.net/5-million-dollar-life-insurance-policy-cost/, and it helped me a lot. I love the fact that they have all the information you need. On top of that, they give you a list of companies with the price and everything. So, you know from the beginning what you'll be dealing with, and you'll be prepared.

Jampot79
Member

Re: Life insurance

Hi, did you have any luck finding life insurance cover?

red_robin
Member

Re: Life insurance

Still no cover. I have enlisted the help of Polly now to help find me some. It's proving tricky but need to find some as I have 3 children now that don't need the added hassle of me not having it.

Has anyone had any luck? If so please tell me who with.

ElizabethManning
Member

Re: Life insurance

I'm also looking for life insurance right now. I will be glad if you share your experience over these 2 years. Have you found the right life insurance? What is the average cost of life insurance per month? By the way, my parents are thinking about getting a Funeral Insurance Cover. To be honest, I don't know anything about this type of insurance and why it is needed. My parents insist that this is a very necessary thing at their age. They are 73 years old. What do you think about this event?

red_robin
Member

Re: Life insurance

Still no joy. Can't find cover.

Ames75
Member

Re: Life insurance

Hi red robin, 

im in the same boat, 2 years post treatment and struggling to find life insurance. I’ve been advised to reduce cover amount to a quarter of mortgage for now but quotes are still £70/month +

Interested if anyone has found any good options? 

Thanks x

Becca_BCC
Member

Re: Life insurance

Hi red_robin,

Thanks for checking - no problem!

Becca at Breast Cancer Care.
red_robin
Member

Re: Life insurance

Hi ladies. I have just put my details into a website and think I may have some provisional quotes.

Moderators am I allowed to say the names of the companies? It may help others in their search. I have the initial people who help find quotes and I have the 4 insurers names. One may be unlikely, 2 not sure and 1 maybe more likely. Would love to share my experiences with names to help others.
Treeze
Member

Re: Life insurance

No just been told officially that no one would.cover me for critical illness for anout 15 years as i've had 2 cancers.The best I can get is putting an amount away each month into one of the no health questions asked ones that you see on the telly.At least that would cover funeral expenses etc
Bondgirl
Member

Re: Life insurance

Hi ladies,

 

just thought I would let you all know that my daughter's are being penalised getting life insurance now due to my diagnosis.  I would recommend anyone with girls to try to get them to research critical illness cover while they are as young as they can. My girls are 29 and 32.

Butterfly318
Member

Re: Life insurance

Red Robin & Treeze

 

Following my diagnosis and treatment i tried to get my affairs in order, checking my life insurance etc

 

My existing life insurance went up 100% (i had paid it for 30 years...). I am unable to get any other insurance at the moment but am reliably informed that i may be able to get life insurance after 5 years 'NED' but more likely 10 years as i am on Letrozole for 10 years. 

 

Following my diagnosis i can't get Critical illness

 

Butterfly x

 

Treeze
Member

Re: Life insurance

Redrobin if you find any please let us know.I've been told by an independent advisor that I wont get life insurance until at least five years post cancer.I'm looking at critical care if I can afford it.
Anna_BCC
Member

Re: Life insurance

Hi red_robin

 

Sorry that you havent had a response as yet.  You may find it helpful to speak with one of our specialists on the free Helpline, 0808 800 6000, they will be able to help signpost you.

 

Best wishes
Anna
Digital Community Officer

red_robin
Member

Life insurance

Please help. Looking to get life insurance and after breast cancer treatment 3 years ago I am wondering who would be good and not rip me off and cover me properly no matter what happens. Any recommendations please?