Life insurance for someone who has had anal cancer
Most people who’ve had cancer in the past, don’t think that they’re ever going to get life cover again. This isn’t the case and the good news is that it’s generally available from two years after treatment has ended.
Cancer diagnosis is an extremely traumatic time for anyone and especially if you have a young family. Hopefully most people were financially prepared and had taken out critical illness cover beforehand, or have savings. If not then it can also be incredibly stressful financially too.
All types of cancer will have some sort of impact on your ability to work and your long term finances. If you’ve had cancer, such as anal cancer in the past, then you might want to consider making sure you’re prepared for the future.
iam|INSURED is the UK’s #1 life insurance experts for people with pre-existing medical conditions. Our team of experts has helped thousands of customers to protect their families, including people who’ve had cancer.
What causes anal cancer to happen?
Doctors are still unsure about the actual root cause of cancer, but there are some contributing factors. In the case of anal cancer, the things that can increase your risk of developing it include:
- Human Papillomavirus (HPV) infection – this is a common and often harmless virus which is spread through sexual intercourse, that can affect the membranes lining the body
- Sexual intercourse – it is believed that anal sex with multiple partners has a possible increase on your risk of developing HPV
- History of cancer – a history of cervical, vaginal and vulval cancers can increase the risk of developing this type of cancer
- Immune system weakness – for example, someone who has been diagnosed with HIV
*Your risks of developing anal cancer increases significantly as we get older. Approximately 50% of all anal cancer diagnosis are in people age 65 plus
*The risks of being diagnosed with anal cancer is also higher in women than men
(*according to the NHS: https://www.nhs.uk/conditions/anal-cancer/)
What about life insurance for someone with anal cancer?
In most cases with anal cancer, the tumour is treated with chemotherapy and radiotherapy over a period of time. If this is the case then you should be able to get life cover from most insurers after two years.
If you’ve had surgery to remove the tumour, then you might find that it could be sooner. Surgery isn’t a common treatment for anal cancer because the tumour is often small. In some cases where chemotherapy hasn’t worked then there may another more complicated surgery called abdominoperineal resection.
Once you’ve had surgery or if you’ve completed treatment, you can speak to iam|INSURED at this stage as there are options. Our process is to provide a guaranteed life cover product soon after treatment or surgery.
Guaranteed life cover is not expensive and provides vital cover in the early years after treatment of cancer. This type of cover will exclude the pre-existing medical condition but will cover everything else, which is important.
After 2 years then we would review your cover and hopefully at this stage, provide you with a standard life cover. It might be that life insurance is still unaffordable at this stage so it’s then a case of reviewing each year as premiums reduce.
Some of the questions you’ll be asked when you apply for life insurance
Here’s some examples of the types of questions that you might be asked when you apply for life cover after diagnosis of anal cancer:
- What was the grade and stage of the cancer?
- Has the cancer reoccurred?
- Did the cancer spread outside of the anus?
- Where did the cancer spread to (lymph nodes)?
- Have you completed chemotherapy and radiotherapy?
- When did your treatment end?
Questions can be different from one insurer to another so these can vary depending on which company we apply to.
If you need more information about life insurance then check out our guides
Is critical illness cover available for someone with anal cancer?
Due to the fact that cancer is the most common claimed for critical illness, it’s sometimes difficult to get this type of cover. The reason is that you’ll usually be offered cover which would exclude cancer so it’s difficult to justify.
Insurers will try to offer cover and some may be able to offer something with less exclusions in some cases. The offer will depend on the level of severity of the cancer (e.g. Grade & Stage) and how long ago it occurred.
In some instances where diagnosis was several years ago and the tumour was removed, then you might have a selection of offers. If the cancer was more recent and slightly more aggressive, then the outcome could be very different.
If you want to know more about critical illness cover then you should check out our guides
Can I get income protection after having anal cancer?
There are some situations where you might be able to get income protection if you’ve had anal cancer. The main points to consider if you’ve had any type of cancer and you now want to take out income protection are:
- How aggressive was the cancer? – usually lower grade and stage cancers have a greater chance of getting covered
- When did the cancer occur? – if the cancer occurred several years ago and hasn’t re-occurred then you should be able to get cover
- What about other policies? – there are other types of income protection you can take which will exclude anal cancer and other cancers for 12 months
There are lots of options and things to consider for income protection so it’s good to speak to an expert like iam|INSURED before you jump in.
For more information about income protection go to our guides section