Sarcomas & Life Insurance

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Sarcomas & Life InsuranceSarcomas affect people differently, some may have symptoms such as pain or discomfort, whilst some may not have any obvious symptoms at all.

Being diagnosed with a sarcoma may have worried you and made you think about life insurance. We are here to help and support you throughout the whole process.

There’s just a few things we’d need to know from you to get started:

  • How many tumours have you had?
  • Where was the tumour located?
  • What was the staging of the tumour?
  • What treatment have you had?

When you apply for life insurance after having a sarcoma you might be able to access standard terms of cover. This is really dependent upon the specific diagnosis that you had.

The insurer may request to see a medical report from your GP, as they will want to confirm the location of the sarcoma, when the diagnosis happened, the number of tumours that you had and if this is something that has happened more than once.

Where sarcomas have been classed as benign it is possible that you will be able to arrange life insurance at normal terms. This means at the same standard price.

If your sarcoma was cancerous it is likely that the insurer will apply a premium rating to your life insurance policy. I know this will not sound ideal, but a premium increase does not always mean silly prices. It is always worth asking and finding out what the cost will be.

Once you are a bit of time since your last treatment, potentially a number of years following the end of your treatment, you are more likely to see better terms for life insurance.

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 for people who have had a sarcoma may be available at normal terms if the tumour was benign. The insurer will want to see that a certain amount of time has passed since diagnosis and treatment has ended.

As with life insurance, the insurer might want to see a report from your GP, to confirm things like the location of the sarcoma(s), 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, or exclude cancer from the policy claims set. If you are offered the policy with exclusion double-check if it is for the specific sarcoma that you had, or if you have a full cancer exclusion.

Where the sarcoma was non-cancerous, you might be able to get critical illness cover at standard terms, with some insurers.

 

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

Income protection for people that 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.

If you currently have a sarcoma or have recently ended treatment, you might find that some of the mainstream insurers want to wait a little while, before they can offer cover. 

When this happens there are some alternative income replacement options that we can look at for you, that do not need details about your medical history. This can be a good option, but there are some technicalities and exclusions, that really should be explained by an adviser.

People that have their own companies can sometimes access what is known as group income protection insurance, which can be a cost-effective way of arranging the cover.

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When planning a holiday, it is usually a good idea to have travel insurance that supports your medical history. We do not give advice on travel insurance, but there are specialists listed on our travel insurance page that you can talk to.

What are 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), phyllodes of the breast, bone sarcoma, retroperitoneal sarcoma

Linked with: Neurofibromatosis type 1 (NF1), retinoblastoma, radiotherapy, chemical exposures, human heresvirus 8 (HHV-8), HIV, von Recklinghausen’s disease

Some potential problems experienced by individuals who have had sarcomas include:

  • Soft painless lump
  • Breathlessness
  • Abdominal pain
  • Fear of the cancer returning
  • Low mood
  • Use of prosthetics
  • Biopsy
  • Chemotherapy
  • Magnetic resonance imaging (MRI) scan
  • Occupational therapy
  • Physiotherapy
  • Radiotherapy
  • Reconstructive plastic surgery
  • Surgery

 

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Common Questions

This is quite a difficult question to answer, I’m sorry that I can’t give you a more certain answer. 

The key things to know are the type of sarcoma that you had, if they were cancerous, if there was any spread to the lymph nodes and what treatments that you had. How long it has been since your treatment can have quite an influence too.

When we do research for people with cancerous tumours, it is essential that we know the staging that was confirmed, as it is not possible to give an indication of price with most insurers without it.

There are usually life insurance options for most people. Ideally we will find you cover within the standard insurance market, but there are some specialist options that we can look at too. 

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Sarcomas & Life Insurance

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

Sarcomas & Life Insurance

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