Pancreatic Cancer & Life Insurance
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Pancreatic Cancer & Life Insurance
After a cancer diagnosis, it’s natural to start thinking about your financial security, including whether to consider life insurance. Usually with the most comprehensive life insurance policies you’ll need to give details about your medical history, including your cancer experience.
We understand that discussing your cancer can be challenging, so our advisers are trained to support you with care and understanding.
To get things started we will ask you:
- When were you diagnosed with pancreatic cancer?
- How many times have you had pancreatic cancer?
- What was the stage of your cancer?
- What was the grade of your cancer?
- What treatments did you undergo (e.g., chemotherapy or radiotherapy)?
- Are you fully recovered and free of cancer treatment?
- When did you last receive treatment for cancer?
We need to ask you these questions because each of them will help us choose the most suitable insurer and life insurance policy for you.
If your pancreatic cancer was detected and treated early, you may be able to get life insurance on standard terms, depending on when you were diagnosed and when your treatment finished. However, since pancreatic cancer is often not diagnosed early, many people require intensive treatment, possibly including surgery. For those who have had stage 3 or stage 4 cancer, many insurers may increase life insurance premiums.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
Pancreatic 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.
You may be able to get critical illness cover, but it’s likely the policy will include an exclusion. This could be a specific exclusion for pancreatic cancer or a broader one for all cancers. A full cancer exclusion is significant for critical illness cover, so it’s important to carefully assess if this policy suits your needs.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
Pancreatic Cancer & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
In terms of income protection after having pancreatic cancer, you may be able to get this once you are a few years past more intensive treatments.
Your options will depend on the stage and grade of the pancreatic cancer you experienced. If you’re currently working reduced hours due to recovery, this may also affect the type of insurance and insurer that’s best suited to you.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
Pancreatic Cancer & Travel Insurance
Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place. You can find out more about getting a quote on our travel insurance page.
What is Pancreatic Cancer?
Pancreatic cancer can develop in any part of the pancreas; this is an organ located in the upper part of your stomach. The pancreas plays an important role in digestion and hormone production, including insulin. How severe pancreatic cancer is, depends on where it is within the pancreas, its size, whether it has spread, and the overall health of the person.
Also: Pancreatic Ductal Adenocarcinoma, Pancreatic Exocrine Cancer
Linked with: Cancer, Chronic Pancreatitis, Diabetes, Helicobacter Pylori Infection, Stomach Ulcer
Possible Effects on Lifestyle
Some of the symptoms people may experience having had pancreatic cancer:
- Digestion problems
- Symptoms of Diabetes
- Tiredness
- Weight loss
Medications and Treatments
- Chemotherapy
- Radiotherapy
- Supportive care
- Surgery
Further Reading and Research
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Common Questions
Hi, I’m sorry to hear that you were declined life insurance, it is not a nice experience to get that decision. There can be options for life insurance but it will depend upon the staging and grading of your cancer, your treatment and your overall health now.
It is possible that a specialist life insurance provider might be the best options for you and we can let you know your options once we have spoken with you.
Client Reviews
Cura Financial Services has been rated 5 out of 5 based on 808 reviews.
Review by Gavin on 10th September 2024
“Service that you would expect. Alan Knowles was excellent. He explained all details of the policy in a very easy way to understand. At no time did Alan put any pressure on us to buy.” - 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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