Feefo Platinum Trusted Service Award 2024
Free £100 Gift Card Offer
Our logo

PROTECTION PROMISE - 100% Conditions Covered

Our Insurance Partners

Sign up for our newsletter

Stay in the loop about all the latest news, exclusive offers, and fantastic discounts. We promise it's spam-free!

The facts about life insurance with Cervical Cancer

If you’ve been diagnosed with cervical cancer or had this condition in the past, then you might think that life insurance isn’t available. Cancer is unfortunately too common in modern society, however, cancer survival rates are increasing all the time as well.

Often life insurance for people who have had cancer is cheaper and easier to get than you might think as well.

We’ve been helping people just like you, to get life cover to protect their families and homes for over 20 years. Cervical cancer can be more complicated to get than life insurance for someone with no medical history, but this does depend on when you had it.

Five Stars

Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

Life insurance and cervical cancer

If you want more information about life insurance for someone with cervical cancer then you can speak to any of our experts on 0800 009 6559.

Here are just a few of the top questions that we get asked by people in a similar situation

How does Cervical Cancer affect life insurance?

The common misconception is that it simply isn’t possible to get life insurance if you’ve been diagnosed with any type of cancer. Generally, this isn’t true, so make sure that you speak to an expert who knows what you need to get the cover you want.

As with most types of cancer, your chance of getting life insurance will depend on several things:

  • When were you first diagnosed with Cervical Cancer?
  • Which type of treatment did you have?
  • How long has it been since you stopped primary treatment (e.g. Chemotherapy or Radiotherapy)? *usually 2 years minimum period
  • What was the Grade and Stage of cancer?

Another common issue is where women have an abnormal smear result and will that have an impact on cover or premiums. If your smear result was clear then you’ll have no issues with getting life cover.

The general rule is the longer it has been since you received any treatment for Cervical Cancer or the lower the Grade and Stage then the cheaper life insurance will be.

Most women that we help to get cover who have had this condition are able to get a policy and we would review this annually to try to reduce their premiums.


Can I get life insurance after I have been diagnosed with cervical cancer?

It is often possible to get life insurance if you’ve previously been diagnosed with cervical cancer and you received treatment to remove the cells.

Generally, there will be a period of time after treatment which is usually 2 years before the full cover is available. This is to allow the treatment to work and provide a suitable period of remission to show insurers that the risks have reduced significantly.

We are very often successful in finding affordable life cover for our clients who’ve had cervical cancer. The price can be restrictive in terms of the amount of coverage that people can afford particularly soon after diagnosis and after the end of treatment.

You can often find that there will be a period of around 5 to 7 years after diagnosis where life insurance premiums can be higher but this can vary depending on the Grade and Stage of the tumour.

The other main point to consider is that some insurance providers are more lenient and flexible than others when it comes to underwriting cancers. You could save a considerable amount of money on your monthly premiums simply by shopping around or speaking to an expert who ultimately would do that for you.

How long does it take to apply for life insurance with cervical cancer?

Applying for life insurance is the same for everyone in terms of the questions that an insurance provider will ask, however, the questions can vary depending on the insurer and any medical disclosures.

If you disclose a condition such as cancer then you should be aware that the insurance provider will more than likely want to view your medical records from your GP.

It can take longer to process a life insurance application if the insurer requires you to view your medical records, generally 4 to 6 weeks. The reason for this delay is simply that GP surgeries are busy and it can take a few weeks for your surgery to sign-off and return your report to the insurance provider.

How much does life insurance cost with cervical cancer?

Premiums for life insurance can increase depending on several key factors that will determine the levels of increased risk. Generally, premiums can be higher for someone who has been diagnosed and received treatment more recently or if the Grade or Stage of the tumour is higher or more aggressive.

Cancer rates for life insurance as a whole are reducing across the majority of insurers which is due to higher survival rates and increased levels of competition. You might also find that if you have been declined for cover previously then it may now be possible to get cover as time has passed since then and the fact that underwriting rules are generally relaxing.

What if I have been declined life insurance before because I’ve had cervical cancer?

Often people apply for life insurance through the normal channels which include comparison websites, banks, and building societies when they’ve got a pre-existing medical condition. In a large number of cases, it may not be possible to get cover through the standard routes because most of these organisations simply are not equipped to deal with difficult or complex applications.

The reason for this is that most online or automatic underwriting systems are not capable of dealing with non-standard applications. If you have been declined previously because you’ve been diagnosed with cervical cancer then you should speak to an expert or specialist like us.

More information about DECLINED LIFE INSURANCE

Can I get life insurance if I’ve just been diagnosed with cervical cancer?

There are some options available for people who’ve just been diagnosed with cancer. Not every insurance broker has access to these types of products so you’ll need to speak to an expert like us.

Most insurance companies will decline cover for at least 2 years after you receive treatment for cancer. You still might want cover for other events such as accidental death, heart attack, stroke, etc.

Guaranteed life insurance is a fantastic option for people who’ve been recently diagnosed with cancer. It’s difficult to know what’s best in this situation to make sure that your family is protected if anything happens to you.

Can I get critical illness cover with cervical cancer?

It is possible to get critical illness cover if you’ve been diagnosed with cancer or have a history of cancer. There are a few things that you’ll need to consider here:

  • Date of diagnosis: you’ll need to be clear for a period of 2 – 5 years depending on the insurer
  • Exclusions: most of these policies will exclude cervical cancer and other cancers

More information about CRITICAL ILLNESS COVER

Can I get income protection with cervical cancer?

If you’ve been diagnosed with cancer, then you might be fully recovered and back to work. If you’re in this situation and you need to get income protection then you should be able to get cover.

Most people in this situation don’t think that income protection is available because of their health or medical history. Once you’ve recovered from cervical cancer and have gone through a period of remission then you’ll be eligible for cover.

Most people who are fully recovered will no doubt want to return to work so will need to consider income protection. You’ll need to check to make sure that whatever policy you’re looking at gives you the cover that you need. Some policies might come with certain exclusions for pre-existing medical conditions, such as cervical cancer.

More information about INCOME PROTECTION

Frequently asked questions about cervical cancer

What are the 5 warning signs of cervical cancer?5 common symptoms of cervical cancer are:

Unusual vaginal bleeding e.g. between periods or after sex
Heavier periods
Unusual discharge
Pain during sex
Pain in the lower back, stomach or hips
Can cervical cancer be cured?It is possible to cure cervical cancer, provided it is found early enough and treatment is started promptly.

Many people with cervical cancer live for years following diagnosis.
How serious is cervical cancer?Cervical cancer usually grows quite slowly. How serious it is will depend on how much it has spread (if at all) and your overall health.
How long do people with cervical cancer live for?According to Cancer Research UK, the average number of people that will live at least 1 year after diagnosis is around 80% (80 out of every 100).

The average number of people that will live for more than 10 years after diagnosis is more than 60% (60 out of every 100).

Related articles:

Useful resources

NHS – Cervical cancer

Cancer Research UK – Cervical cancer

WHO – Cervical cancer

Macmillan Cancer Support – Cervical cancer

Sign up for our newsletter

Stay in the loop about all the latest news, exclusive offers, and fantastic discounts. We promise it's spam-free!

Open chat
How can we help?
Scan the code
Welcome to iam|INSURED 👋

Please feel free to connect with us on WhatsApp so we can help you and answer your questions.

Click “Open Chat” to start.