Lung Cancer & Life Insurance
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Lung Cancer & Life Insurance
When you have had lung cancer you can find that getting life insurance needs some extra research. Insurers have different rules about the way that they assess a person’s application for life insurance, and this is where our advisers will help you.
Our award winning advisers will ask you about your lung cancer, research the insurance market and then let you know the best option for life insurance for you.
We will ask you:
- When were you diagnosed with lung cancer?
- What type of lung cancer did you have?
- What was the staging and grading of your lung cancer?
- What treatments did you have?
- Are you waiting for any lung surgery?
- Are you a smoker?
Lung Cancer & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness cover can sometimes be available for people that have had lung cancer. This is most likely if your lung cancer was a low staging and grading and you are not a smoker.
If you are able to get critical illness cover the insurers will probably increase the policy premiums above the standard rate.
You will also find that some insurers will not be able to offer you critical illness cover. That’s why our advisers are here to search the market for you and make sure you get a clear picture of what is possible.
Lung Cancer & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health
There can be options for income protection after you have had lung cancer, if the cancer was caught early. The insurers are unlikely to accept your application if you are a smoker.
For income protection if your lung cancer was low staging and grading, you might be able to get standard terms of cover once some time has passed.
If you find that income protection through mainstream insurers isn’t available, there are more specialised policies that we can look at. You tend to find with more specialist policies that they can exclude claims for conditions that you have recently had, so your time of diagnosis and end of treatment is essential to pick the right one.
Our award winning advisers know how to find the right income protection policy for you.
Lung Cancer & Travel Insurance
When you are travelling abroad it’s always a good idea to make sure that your travel insurance does exactly what you want it to. We have teamed up with a travel insurance broker that can support you to get the cover that you need. You can visit our travel insurance page here.
What is Lung Cancer?
Lung cancer is one of the most serious cancers that a person can be diagnosed with. You are more likely to be diagnosed with lung cancer if you are a smoker, but you can develop the condition without having been a smoker.
Also: primary lung cancer, non-small-cell lung cancer, small-cell lung cancer
Linked with: pneumonia, deep vein thrombosis, pulmonary embolism, smokers
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have experienced lung cancer include:
- Breathlessness
- Changes in the appearance of fingers
- Loss of appetite
- Persistent cough
- Recurrent chest infections
- Swelling of the neck or face
- Tiredness
- Unexplained weight loss
Medications and Treatments
- Biological therapy
- Chemotherapy
- Cryotherapy
- Hyperfractionated accelerated radiotherapy
- Immunotherapy
- Lobectomy
- Mutation therapy
- Photodynamic therapy
- Pneumonectomy
- Prophylactic cranial irradiation
- Radical radiotherapy
Radiofrequency ablation
- Radiotherapy
- Spirometry
- Stereotactic radiotherapy
- Surgery
- Targeted therapy
- Video-assisted thoracoscopic surgery
- Wedge resection or segmentectomy
Further Reading and Research
By clicking on the link(s) above you will be departing from the regulatory site of Cura Financial Services. Cura Financial Services is not responsible for the accuracy of the information contained within the linked site(s).
Common Questions
Hi, it is lovely to hear from you. I’m afraid it’s not easy to say which insurer is best for you without a bit more detail. I know this might not seem helpful, but insurers have so many different rules that can massively change the outcomes of an application.
The staging and grading of your lung cancer, the treatments that you had, when your treatments ended and any long term symptoms that you experience, all play a part in picking the right insurer for you.
We offer no obligation quotations and will let you know the best life insurance options that you can have, without any pressure to use our services.
Client Reviews
Cura Financial Services has been rated 5 out of 5 based on 807 reviews.
Review by Eleanor on 18th May 2023
“Thank you Annaliese! Annaliese was so helpful and knowledgeable. I have been happy to recommend Cura to clients of my own in the past but after my own experience, I am even happier to!” - 5
You can read more of our reviews here.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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