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Non-Hodgkin Lymphoma life insurance

Non-Hodgkin Lymphoma life insurance can provide you with peace of mind by ensuring that your family is financially protected should anything happen to you.

The term “lymphoma” refers to the body’s lymphatic system, which is a network of glands and vessels throughout the body. Non-Hodgkin Lymphoma, therefore, affects the white blood cells in this system, causing them to grow abnormally, which can form tumours throughout the body.

Our team of experts has decades’ worth of experience and so they know that this is not the case and cover is available with the right insurers.

According to statistics from Cancer Research UK, Non-Hodgkin Lymphoma is the 6th most common cancer in the UK with around 14,200 new cases each year (which equals 39 per day). The 10-year survival rate for this condition is around 55%.

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YES – if you pass away from Non-Hodgkin Lymphoma, an active life insurance policy would pay a lump sum to your loved ones to ensure they’re looked after.

Life insurance policies are based on your personal health at the time you take out the cover. It will therefore include any pre-existing medical conditions.

This also means that life cover is cheaper the earlier you take it out, as you’ll be younger and potentially in better health than later in life.

Does critical illness cover payout for Non-Hodgkin Lymphoma?

YES – each insurance provider will have a list of conditions that they consider to be serious enough to warrant a pay-out on critical illness cover. These lists usually contain a variety of cancers, and the most common reason for a successful claim on critical illness cover is cancer.

Critical illness cover is designed to pay out if you get diagnosed with serious medical conditions such as:

Some of the main reasons people take out critical illness cover are to pay for things such as:

  • Loss of income
  • Treatment and medications
  • Pay bills and outgoings

If you already have Non-Hodgkin Lymphoma, it can still be possible to obtain critical illness cover if it has been several years since you had any symptoms or received any treatment. Insurers will want to see proof of this, for example, they may request a medical report from your GP. In some cases, you may be offered coverage with an increase in premiums to reflect the levels of risk involved or find that a Cancer exclusion is applied to your policy.

Will income protection payout for Non-Hodgkin Lymphoma?

YES – income protection policies usually payout if your GP signs you off work for a period of 4 weeks or more.

Most of these types of policies will pay you for a period of 12 or 24 months depending on your cover. While you are unable to work because of Non-Hodgkin Lymphoma you will receive a benefit every month until you are fit to return to work.

Much like other types of cover, income protection is based on your personal health at the time you take out the cover, so if you’ve already got Non-Hodgkin Lymphoma then it’s possible for the policy to have exclusions depending on the severity and recentness of your condition. It’s best to speak to a specialist as they will be able to get the best cover for you.

Income protection can be used to pay for:

  • Mortgage and rent payments
  • Bills and outgoings
  • School fees
  • Medical treatment

Can I get life insurance with Non-Hodgkin Lymphoma?

YES – depending on how recent and severe your condition is/was, traditional Non-Hodgkin Lymphoma life insurance products should be available on a case-by-case basis.

Will I need a medical to get Non-Hodgkin Lymphoma life insurance?

Normally when you make an application for Non-Hodgkin Lymphoma life insurance, the insurer will request further evidence so that they can fully underwrite your policy.

This is completely normal and will be handled by your adviser.

The two main types of medical evidence requests are:

  • GP report
  • Nurse screening

Don’t worry – these will be paid for by the insurer and with help to give them the information that they need to complete the underwriting process.

How much is life insurance with Non-Hodgkin Lymphoma?

If you suffer from Non-Hodgkin Lymphoma and need life insurance, critical illness cover, or income protection, then you will need to provide your insurer with some details about the severity of your condition.

Insurance underwriters will assess your application for Non-Hodgkin Lymphoma Life Insurance based on the following:

  • The age you were first diagnosed
  • The type of Non-Hodgkin Lymphoma
  • Treatment undertaken
  • Medications you are taking
  • Any periods of time since treatment for the condition
  • Grade and stage of Non-Hodgkin Lymphoma

Your premiums for Non-Hodgkin Lymphoma life insurance will also depend on:

There are numerous conditions that can be linked to Non-Hodgkin Lymphoma, including:

Other factors such as older age can also put you at greater risk of developing Non-Hodgkin Lymphoma.

Common questions about Non-Hodgkin Lymphoma

Here are a few of the most common questions about Non-Hodgkin Lymphoma and living with the condition.

How long can you live with Non-Hodgkin’s Lymphoma?Overall, the majority of people with indolent Non-Hodgkin Lymphoma are able to live 20 years after diagnosis. For more aggressive lymphomas, the 5-year survival rate is closer to 60%.

More information – Average life expectancy UK
Can you be cured of Non-Hodgkin’s Lymphoma?The answer is yes, it is possible to treat Non-Hodgkin Lymphoma and, in many cases, cure it. This is, of course, dependent on the stage of the cancer at diagnosis and every person is different.

Speak to a medical professional about your specific case.
What are the warning signs of lymphoma?Here are a few of the signs and symptoms of lymphoma:

Itchy skin
Swelling of lymph nodes in your neck, armpits or groin (usually painless)
Unexplained weight loss
Shortness of breath
Night sweats

It is important to seek advice from a medical professional if you are concerned that you’re exhibiting symptoms of lymphoma.

Useful resources

Here are a few useful links for people living with Non-Hodgkin Lymphoma or looking for more information about it:

NHS Choices – Non-Hodgkin Lymphoma

Cancer Research UK – Charity

Macmillan Cancer Support – Charity

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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