Acute Myeloid Leukaemia & Life Insurance
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Acute Myeloid Leukaemia & Life Insurance
When you have had cancer there can be quite a bit of uncertainty about whether you can or cannot get life insurance.
The good news is that most people should be able to get life insurance with mainstream insurers, once a bit of time has passed since you have recovered from the AML.
Your options for life insurance will be dependent upon quite a few parts of your cancer diagnosis.
To get things started we will ask you:
- What type of AML were you diagnosed with?
- When were you diagnosed with AML?
- What treatment did you have for AML?
- When did your treatment for AML end?
Most insurers will want there to be some time from when you last had treatment for AML and you putting a life insurance application to them. A year is often a minimum timeframe, but this does depend upon the type of acute myeloid leukaemia that you had and your treatment.
If you had AML in childhood or as a young adult, it might be that you are able to arrange life insurance at standard terms (the normal pricing). This is most likely when there has been quite a long period of time since you had cancer (10 years or more).
There are some specialist policies that can be arranged before this time, some life insurances can be arranged while you still have AML, but it is essential that you fully check the terms and conditions of these policies. If you actively have cancer or have recently stopped treatment, your options for life insurance will usually exclude claims relating to cancer, which is quite a big exclusion to have.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
Acute Myeloid Leukaemia & 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 might be able to arrange critical illness cover if you have previously been diagnosed with AML. This is highly dependent upon the type of AML you had, how long ago you were diagnosed with cancer and your treatment too. If an insurer is able to consider your application for critical illness cover, it is quite likely that there will be a full cancer exclusion on the policy.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
Acute Myeloid Leukaemia & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
You can find that income protection is a better option for you than critical illness cover, depending upon your situation. This is because there is the potential of arranging income protection without any exclusions, if your cancer diagnosis and treatment were a good while ago.
It might be that for the moment your best option for income protection comes with an exclusion, but once a bit more time has passed since you recovered from the cancer, more options become available that don’t have exclusions.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
Acute Myeloid Leukaemia & 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 Acute Myeloid Leukaemia?
Acute Myeloid Leukaemia is diagnosed when the white blood cells in our body, don’t work as they should (sometimes it’s the red blood cells). When these cells don’t work properly it means that oxygen and other essential parts of our blood, don’t flow properly through the rest of our body. This means that our organs and others parts of our body have a harder time, to keep our body functioning as it should do.
Also: AML
Linked with: Cancer, Down’s Syndrome, myelodysplasia, myelofibrosis, polycythaemia vera, Fanconi’s anaemia
Possible Effects on Lifestyle
Some of the symptoms people may experience living with Acute Myeloid Leukaemia:
- Excessive bleeding and bruising
- Family planning considerations
- Feeling breathless
- Frequent infections
- Looking pale
- Losing weight unintentionally
- Night sweats
- Stomach discomfort
- Tiredness
Medications and Treatments
- All tans retinoic acid (ATRA)
- Antibiotics
- Arsenic trioxide
- Blood transfusions
- Bone marrow transplant
- Chemotherapy
- Cytarabine
- Genetic testing
- Lumbar puncture
- Radiotherapy
- Stem cell transplant
- Venetoclax
Further Reading and Research
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Common Questions
Hi, thank you for getting in touch, I hope that you are well. We can look at options for life insurance for you and put a plan in place for now and the future. As you stopped your cancer treatment 5 months ago, your options for life insurance could be with more specialist insurers at the moment.
Please do not worry though as we can get you a life insurance option for now and we will keep reviewing the market for you and let you know once more options are available.
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Review by Louise on 5th November 2024
“What more can I say? - Just superb. Excellent personalised customer service from advisors that really seem to care and treat every individual as a person with their own important needs. Noone is disrespected which matters greatly. And Cura go out of their way to be inclusive and make every customer feel as valued as possible while identifying the right products and providers to suit. I would recommend to anyone with a disability or medical condition.” - 5
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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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