Facts About Breast Cancer Life InsuranceHave you or someone you know been diagnosed with breast cancer? We understand that this is a very difficult time, where support and guidance are required. This is where we step in, to ensure we source the most suitable breast cancer life insurance to help you protect your future. Here at iam|INSURED, we work with highly reputable, expert insurance providers who will respect your personal requirements and deliver a policy that will ease this distressing time.If you are looking for general breast cancer life insurance, income protection, critical illness cover, or travel insurance, we will do our utmost to find you an appropriate policy –allowing your needs and budget to drive the application process. Contact us today to discuss how we can take the pressure off and help you gain certainty about protecting your future.Your premiums for breast cancer life insurance will depend on: Your current breast cancer diagnosis. Your medical history including family history and staging of breast cancer Whether you’re a cancer survivor and in remission. The type of insurance product you’re looking for income protection, critical illness cover, travel insurance) The term of your breast cancer life insurance policyHow Much Does Breast Cancer Life Insurance Cost?When applying for breast cancer life insurance, it is a necessity for insurance providers to receive a few details regarding your diagnosis. This will include a medical examination, along with family history and the grading/staging of your breast cancer. Collecting this data about your medical condition is important, as it provides our team with the information to find the most suitable insurance policies.The above factors will also affect the cost of your breast cancer life insurance policy. If you have a low grading of breast cancer with no recent treatment, standard rates may be offered. However, if your breast cancer is classified as high grading, additional premiums and exclusions may be applied to your breast cancer life insurance policy.If you would like to discuss the cost of breast cancer life insurance or would like to retrieve your own personal quote, get in touch with our team today!How much cover do I need?Whether you are applying for a generic breast cancer life insurance policy, or income protection, critical illness cover or travel insurance, it is difficult to give a clear recommendation on the amount of cover you need.Once we have received your medical examination results, we will be able to provide greater recommendations on which insurance policies to consider and how much cover to take out. Below are a few factors that can help you gauge cover amounts when considering breast cancer life insurance policy, or income protection, critical illness cover, or travel insurance:Percentage (%) loading for breast cancer life insuranceWhen you apply for breast cancer life insurance, insurance providers will calculate and apply a percentage loading to your premiums. This will be calculated based on your cancer diagnosis and medical history. Please be aware that all providers have differing percentages, therefore this is something to consider when applying for breast cancer life insurancePer mille loadings for breast cancer life insuranceAlongside percentage loading, you may also experience ‘per mille loading’ when applying for breast cancer life insurance. This is where an additional amount is added to your premiums which are calculated based on the amount of cover you apply for (e.g. £2 per thousand £’s of cover). This can be applied throughout your breast cancer life insurance policy, or for a selected period of time.If you would like to discuss how the above may affect your premiums when applying for breast cancer life insurance or further policies such as income protection, critical illness cover, or travel insurance, contact our team today on 01244 732 890.Breast cancer life insurance amounts of cover.If you are looking for a general breast cancer life insurance policy, insurance providers will take your medical history into consideration when evaluating whether you’re eligible or not. If you do have a higher grading diagnosis, premiums and exclusions may be applied to your underwriting.guidelines. Here are some factors you should consider prior to applying for breast cancer life insurance: Mortgage amount (£’s) Outstanding debt (e.g. Loans, second charge, credit cards, and others) Dependents Spouse or Partner Income (after Tax) Assets (e.g. car, house, business, etc.)Contact our team for more information about how much breast cancer life insuranceBreast cancer critical illness cover amountsIf you have been diagnosed with breast cancer, critical illness cover is available, however, exclusions may be applied. This is dependent on the severity of your diagnosis and whether your breast cancer is a low or high grading type of cancer.If you do have a high grading diagnosis, we would recommend that you delay your application until your symptoms subside. Insurance companies will take your personal requirements into consideration when looking at critical illness cover. If you are eligible, here are factors to consider when applying for critical illness cover: Income (after Tax) Mortgage payments (annual) Cost of living (annual) Any other possible costs (e.g. medical treatment or adaptations)Breast cancer income protection amounts of coverIf you work, we understand that your financial future is of concern when diagnosed with breast cancer. By applying for income protection, you will be provided with a lump sum to support you while you recover. If your cancer was a low grading diagnosis and symptoms/treatments have stopped, you should be eligible for income protection cover.If your diagnosis is of high grading, income protection may be available however exclusions and premiums will be applied. In the case where you’re declined income protection cover, insurance providers will recommend that you delay your application, and consider alternative insurance products. If income protection is something you’re interested in, consider these key factors to gauge cover amounts: Monthly income (after tax) Mortgage/rent payments Debts (other) Cost of livingIf you would like to discuss your likelihood of obtaining income protection cover while being diagnosed with breast cancer, contact our friendly team today.Breast cancer travel insurance amounts of coverAre you looking to travel abroad? If so, we recommend applying for travel insurance which is suitable for those with pre-existing medical conditions. If you have any concerns regarding traveling with breast cancer, contact our team today!Purchasing your breast cancer life insurance policy through iam|INSUREDWhether you’re looking for general breast cancer life insurance or a specific policy such as income protection, critical illness cover of travel insurance, our team at iam|INSURED can find you a suitable match.If you are working on a budget, we can make affordability a priority, while sourcing highly valuable protection with our highly reputable insurers.To progress your breast cancer life insurance policy, contact our team today!Exclusions for breast cancer life insurance, critical illness cover, income protection, or travel insuranceA further common outcome when applying for breast cancer life insurance, critical illness cover, income protection, or travel insurance is ‘exclusions’. Exclusions are those conditions that can be linked to your breast cancer and will be excluded from your policy.