Sarcomas & Life Insurance
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When you apply for Life Insurance after having a sarcoma you may be able to secure standard terms of cover depending upon your specific diagnosis. The insurer will want to know the location of the sarcoma, time of diagnosis, the number of tumours that you had, if they were malignant or benign, how they were treated, if there have been any recurrences and the staging/grading of the tumour. If the sarcoma was benign it is possible that you will be able to secure Life Insurance at normal terms. If the sarcoma was cancerous it is likely that the insurer will apply a premium rating to your Life Insurance for a number of years following the end of your treatment.
Critical Illness Cover for people who have had sarcomas may be available at normal terms if the tumour was benign and there has been sufficient time since diagnosis and treatment has ended. The insurer may want to see a report from your GP detailing the location of the sarcoma(s), when you were diagnosed, the treatments that you were undertaken and the time since your treatment ended. Where the sarcoma was diagnosed as cancerous it is possible that the insurer may place a loading to the policy premium for a number of years since you finished treatment, or exclude cancer from the policy claims set.
Income Protection for those who have had sarcoma(s) may be available at standard terms. This will depend upon whether or not the sarcoma was benign, how many you have had and the time since diagnosis and treatment ended. If the sarcoma had been cancerous then the insurer will probably offer terms with an increase to the policy premium or a cancer exclusion to the policy.
What is Sarcomas?
Soft tissue sarcomas are tumours that form within fat, muscle, fibrous tissue, blood vessels and nerves; it is also possible to have sarcomas develop within the bone. The symptoms associated with sarcomas are very specific to the area of the body that is affected. This means that whilst you may have pain and discomfort which leads you to identify that there is something wrong, it is also possible that you could have a sarcoma with no obvious symptoms.
Also known as: Soft tissue sarcoma, leiomyosarcomas, liposarcomas, angiosarcomas, gastrointestinal stromal tumours (GISTs), Kaposi’s sarcoma, ostepsarcoma, Ewing’s tumours, rhabdomysarcomas, malignant peripheral nerve sheath tumour (MPNST), myxfibrosarcoma, fibromatosis, Desmoid tumour, synovial sarcoma, lymphangiosarcoma, haemangiosarcoma, alveolar soft part sarcoma, dermatofibrosarcoma protuberans (DFSP), desmoplastis small round cell tumour, epithelioid sarcoma, extraskeletal myoxid chondrosarcoma, giant cell fibroblastoma (GCF)
Some potential problems experienced by individuals who have had sarcomas include:
- Soft painless lump
- Abdominal pain
- Fear of the cancer returning
- Low mood
- Use of prosthetics
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