Bowel Cancer & Life Insurance

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Bowel Cancer & Life Insurance

When you have had a diagnosis of cancer it is quite common to think about your financial security. Life insurance can be something that you start to consider.

A lot of the times the best life insurance policies will ask details about your medical history, including the cancer. We know that talking about your cancer can be difficult and our advisers are trained to speak with you in a supportive way.

Things we need to know:

When were you diagnosed with bowel cancer?
How many times have you had bowel cancer?
What was the staging of the cancer?
What was the grading of the cancer?
What treatment did you have (eg chemotherapy or radiotherapy)?
Are you fully recovered and free of treatment?
When you did last receive treatment?

We ask you all of this information as each of these questions will have an influence on the right insurer and life insurance policy for you.

If you bowel cancer was found and treated in it’s early stages, you could be able to access life insurance at normal terms. This will depend upon when your cancer was diagnosed and when your treatment ended.

As bowel cancer isn’t often diagnosed in it’s early stages, many people will have needed strong treatment and potentially surgery to remove the cancer. For people that have had stage 3 or stage 4 cancer you can find that quite a lot of insurers will increase your premiums for life insurance.

Some insurers might not be able to accept your application, which is why our expert advisers are here to find the right insurer for you.

Get a Life Insurance Quote

Bowel 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 might be available to you but it’s quite likely that there will be an exclusion on the policy.

This exclusion could be specifically for bowel cancer, or it might be a full cancer exclusion. A full cancer exclusion is a big exclusion to have on critical illness cover, so it’s very important to consider if this policy is right for you.

Our advisers are here to explain what options for critical illness cover are available to you, and find the best insurer for you.

Get a Critical Illness Cover Quote

Bowel Cancer & Income Protection

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

You might be able to access income protection after you’ve had bowel cancer, once you are a few years from having had stronger treatments.

Your options for income protection will be led by the staging and grading of the bowel cancer that you had. If you are currently working reduced hours as you are recovering from bowel cancer, this could also influence the insurance and insurer that will be right for you.

Our award winning advisers will listen to your circumstances and find the best route to protecting your income.

Get an Income Protection Quote

Bowel Cancer & Travel Insurance

Are you planning on going abroad? When you have had bowel cancer, it is important that you know what your travel insurance covers you for. Please visit our dedicated travel insurance page for more details on how to arrange travel insurance after cancer here.

Video Transcript

You can view a transcript for this CuraVision Cancer video here.

Please see our video case study of a client who had experienced, that we were able to arrange insurance for here.

What is Bowel Cancer?

Bowel cancer develops when cells in this organ start to divide and multiply more quickly than normal. Bowel cancer is diagnosed when cancer is found in the large bowel. Bowel cancer can be diagnosed at any age but is most common in people over the age of 50.

Also: Colorectal cancer, colon cancer, rectal cancer

Linked with: Cancer, famillial adrenal polyps, Lynch syndrome, hereditary non-polyposis colorectal cancer (HNPCC), Crohn’s disease, ulcerative colitis

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have had bowel cancer include:

Anxiety of the cancer returning
Illeostomy
Fatigue
Low self esteem
Lumps in the breast
Regular screening

Medications and Treatments

Bowel surgery
Chemotherapy
Radiotheray

Common Questions

1. I have declined life insurance and I was told it was because of my bowel cancer. Can you help?

Hi, I’m so sorry to hear that you have been declined life insurance. We will do everything possible to get you the insurance that you need.

One of our advisers will be in touch with you to talk through your circumstances and discuss the best life insurance options for you. It would be really helpful if you can have to hand the details about your bowel cancer diagnosis such as the staging and grading, and the treatments that you had. You can often find a lot of the information that we need on letters from your oncologist.

2. I have been tested for something called the Lynch gene, my mum had bowel cancer. Will this affect my insurances?

Hi, thank you for reaching out to us and I’m sorry to hear about your mum. Insurers are not allowed to ask you about predictive genetic tests that you have had. This means that if you have been tested for Lynch syndrome, purely as a precaution due to your mother’s diagnosis, then this won’t usually come up in a life insurance application.

If you have undergone tests because it is believe that you might have bowel cancer, due to symptoms you are experiencing, then this is different and will often need to be detailed in life insurance applications.

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 748 reviews.

Review by Veronika on 7th March 2023

“Annaliese is a superstar. Annaliese has been amazing with all the calls and emails. Keeping myself and my daughter up to date with it all. After being declined with Scottish widows etc she managed to get me a plan with national friendly for an over 50s plan. This girl is amazing she deserves a bonus!” - 5 

You can read more of our reviews here.

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

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."