Carcinoma In Situ & Life Insurance
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Carcinoma In Situ & Life Insurance
Carcinoma in situ is a diagnosis that most UK insurers will ask about in their life insurance applications.
There is usually a question in life insurance applications that asks about whether you have ever had cancer. The good news is that there are often option for life insurance after you have recovered from the treatment for the carcinoma in situ.
To get things started we will ask you:
- What type of carcinoma in situ did you have?
- When were you diagnosed with carcinoma in situ?
- What was the size of the carcinoma in situ?
- What treatment for carcinoma in situ did you receive?
- Are you still undergoing treatment?
Your options for life insurance will depend upon the type of carcinoma in situ you have had, the size and how long it has been since your diagnosis and treatment. It might be that life insurance could be available to you within 6 months of your diagnosis, other times it could be 2 years or longer.
The longer the timeframe since your diagnosis and treatment for cancer, the better the options tend to be for life insurance. There are times that we standard terms (normal pricing) for life insurance, withing 6 months of a diagnosis.
There are also some circumstances where the life insurance premiums can be higher for a while. Insurers might postpone or decline your application for life insurance, if your diagnosis was quite recent.
Our award winning advisers are here to give you peace of mind with the right life insurance policy, so that if the worst happens, your loved ones will be taken care of.
Carcinoma In Situ & 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.
Carcinoma in situ can potentially be a claimable condition on a critical illness policy, so if you already have this insurance, double check if you can make a claim.
Because insurers can see carcinoma in situ as a claimable condition, it does mean that if you have had this diagnosis, that the insurers want to see some time pass before they consider your critical illness application.
You can find that the insurers will increase your premiums for a while after your diagnosis and treatment. It is also quite likely that there will be an exclusion for clams linked to cancer in the location where you had the carcinoma in situ. Some insurers might place a full cancer exclusion on the policy and it’s best to try and avoid this.
Our expert advisers are trained to find the critical illness policy that matches you and your needs, so that if you are diagnosed with a critical illness, you can focus upon you rather than worrying about money.
Carcinoma In Situ & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Insurers will want to know how much time you have taken off work due to your diagnosis, if any, and how long it has been since you’ve been back to full working hours.
Insurers will typically want you to have completed your treatment before they can consider your application for income protection. Once they are able to consider your application, it is quite likely that your income protection will be offered with an exclusion. This could be an exclusion for the location where you had the cancer, or a full cancer exclusion, and it’s really important to shop around and find the better of these two options, if possible.
Protecting your income is one of the most important things that you can do to protect your financial future and our award winning advisers are here to sort it for you.
Carcinoma In Situ & 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 Carcinoma In Situ?
Carcinoma in situ is diagnosed when abnormal cells are discovered in part of the body, that have the potential to become or have started to become cancer cells. When carcinoma in situ is diagnosed the abnormal cells have stayed in the location where they have developed, and have not spread to other parts of the body. If untreated these cells can become cancerous and potentially lead to an invasive cancer diagnosis.
Also: Ductal carcinoma in situ (DCIS) , lobular carcinoma in situ (LCIS), squamous cell carcinoma in situ, adenocarcinoma in situ, stage 0 cancer, basal cell carcinoma (BCC), clear cell Renal cell carcinoma (ccRCC), adenosquamous carcinoma, Acinic Cell Carcinoma (AcCC)
Linked with: Cancer
Possible Effects on Lifestyle
Some of the symptoms people may experience having had carcinoma in situ:
- Increased cancer screens
- Specific supportive clothing
Medications and Treatments
- Breast conserving surgery
- Hormone therapy
- Mastectomy
- Plastic surgery
- Radiotherapy
Further Reading and Research
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Common Questions
Hi, thank you for reaching out to us and I’m sorry to hear that things have not gone smoothly for you. It would be useful to chat to you and go through some of the specifics of your diagnosis so that we can advise you.
Insurers can often want there to be some more time since your diagnosis and them being able to consider your life insurance application. Not all of them, but most of them. There are some options that you can look at now but they often come with exclusions and it’s important to discuss these with one of our advisers.
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 871 reviews.
Review by Jeffrey on 3rd October 2024
“Obtaining life insurance for somebody with medical issues. I found all members of Cura to be extremely professional. They listened to my requirements and recommended accordingly. I would be very happy to recommend them to others” - 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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