Life Insurance with Ovarian Cancer

Life Insurance

Receiving a cancer diagnosis can be a scary and uncertain moment, and life insurance might become a priority.

Our assistance and support will be available to you every step of the way.

Information required to begin:

• When were you diagnosed with ovarian cancer?
• What treatment did you have?
• When did you last have treatment?
• What staging and grading was the ovarian cancer?

Applications for life insurance from individuals with a history of ovarian cancer will be evaluated based on individual circumstances.

The insurer needs to know the TNM rating or staging/grading of the cancer you were diagnosed with. They will inquire about the treatments you received and when they ended.

If the ovarian cancer was diagnosed at a low stage/grade and it’s been a while since your last treatment, life insurance may be obtainable under standard conditions. If the ovarian cancer is categorized as high staging/grading or if you’ve recently undergone treatment, it’s likely that the insurer will provide you with policy terms at non-standard rates. This typically results in a rise in the premium.

For some insurers, there may be a delay in coverage approval for a period of time after your most recent cancer treatment. Not all insurers offer life insurance, but there are various options available that might be advantageous for you.

Critical Illness

When applying for critical illness cover, it is important to include details about ovarian cancer for most insurers. It’s important for them to understand the staging and grading of the cancer, the treatment you underwent, and any lasting complications you might have.

It is probable that after your treatment, standard insurers will not offer critical illness cover for a considerable amount of time. There are specific options available for you, but it’s advisable to consult with an adviser for a detailed review of the terms and conditions.

It is probable that your critical illness cover includes a cancer exclusion clause.

Income Protection

The terms for income protection for individuals who have had ovarian cancer will depend on the grading/staging of the cancer, the time since treatment, and any ongoing complications experienced.

Income protection may be offered at standard terms in certain situations, based on the time since last treatment and the staging/grading of ovarian cancer.

If significant complications have resulted from the cancer, if it was categorized at a high stage/grade, or if recent treatment was necessary, income protection may be provided under non-standard conditions. This may include a cancer exclusion and/or a premium increase.

There is a chance that some insurers may delay or reject your application. There are additional specialized routes that could be available, and our advisers can discuss these with you upon request for a quotation.