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 6^th 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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Does life insurance payout for Non-Hodgkin Lymphoma?

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.

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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.

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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

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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.

However, even if your lymphoma was fairly recent, there are still products available that provide some protection.

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.

It is also beneficial as it guarantees 100% validity of the policy, giving you peace of mind that your loved ones are protected.

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:

Sum assured (£s)
Term of cover (years)
Type of policy (e.g. Family, Mortgage, Whole of Life, etc.)

Medical conditions linked to Non-Hodgkin Lymphoma

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

Coeliac disease
Hepatitis C
HIV
Helicobacter pylori

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

You should always seek advice from a medical professional if you’re concerned about being at risk.

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) Fatigue Unexplained weight loss Fever Shortness of breath Night sweats