Ovarian cancer life insurance
Life insurance after a cancer diagnosis can be one of the furthest things from your mind. Many people with cancer don’t even think that it’s possible to get life cover which isn’t always the case.
If you’ve been diagnosed with ovarian cancer and you need life insurance to protect your family, here are a few tips.
According to Cancer Research UK, there are approximately 7,400 people diagnosed with ovarian cancer every year. This means that 20 people are diagnosed every day which means that ovarian cancer is the 6th most common cancer.
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About getting life insurance after ovarian cancer
The thought of applying for life insurance after diagnosis of any cancer can seem a bit ridiculous. Most people think that it’s going to be too expensive or simply not available.
Getting life insurance to protect your family is important and paying a fair price is essential in our opinion.
Can you get life insurance after ovarian cancer?
YES – it is very often possible to get life insurance after a diagnosis of cancer and especially after a period of several years. It’s often true that having had any type of cancer in the past can make getting life insurance slightly more complicated.
When you’ve had ovarian cancer in the past then there are a few time periods to consider.
- After diagnosis, you should be able to get guaranteed life insurance that will exclude cancer
- 2 years after primary treatment ends means that standard cover should be available
- 5 years in remission often means that premiums tend to reduce
As time passes you’ll find that cover options become more available to you and premiums will often reduce.
Another major part of getting life insurance after ovarian cancer is the severity of the tumor, and that includes:
- Lymph nodes affected (spread)
Common life insurance questions about ovarian cancer
Here are some of the types of questions that you might be asked by insurers if you disclose ovarian cancer.
- Has your cancer reoccurred?
- Has your cancer spread outside your ovary (e.g. womb, uterus, other lymph nodes)
- What was the clinical grade and stage of your tumor?
- Have you completed your treatment or any surgery?
- When did your treatment end?
You should make sure that you answer your questions as honestly as possible, but don’t worry if you don’t have the information.
Does life insurance cover ovarian cancer?
YES – if you have a policy in place already then you should be covered if you die and your family should receive a benefit. You might also have a critical illness cover policy in place already which will usually pay out a cash lump sum on diagnosis of ovarian cancer.
There are certain policies that won’t cover ovarian cancer if you’ve been diagnosed in the past with the same condition. You should check to make sure that you’re covered and you should regularly review any existing policies.
Will I need medical to get life insurance after ovarian cancer?
It’s very common for insurers to ask to view your medical records for anyone applying for life cover with cancer. This isn’t anything for you to worry about and you shouldn’t need to do anything other than giving your consent.
The standard process for life insurance medical reports is:
- You need to sign or agree verbally to share your medical information
- Insurers will get a copy of your records from your GP and they will pay for the report
- Your medical reports are sent to your insurer for them to review
The medical process can take several weeks depending on how busy your GP surgery is and how quickly they respond.
Best life insurance for ovarian cancer
Life insurance comes in several forms and provides cover for many different things so you just need to check what’s available and figure out what you need.
Term life insurance after ovarian cancer (family protection) is the most common type of life cover and often the easiest to get. This is often available through standard insurers after 2 years from radiotherapy or chemotherapy. You might find that your choice of insurers is slightly limited depending on your symptoms.
Decreasing life insurance after ovarian cancer (mortgage protection) is very similar to family protection apart from the cover reduces over the term. This type of cover is specifically designed to protect a repayment (capital and interest) mortgage to pay off the debt on your home if you die.
Critical illness cover after ovarian cancer is sometimes available depending on the grade and stage of cancer, and how long ago it was. If your cancer was a low grade and with no relapse for several years then you should be able to get this cover.
Income protection after ovarian cancer is also sometimes available for people who have had low-grade cancer. You’ll often find that cancer would be excluded from any future claims which are fairly normal if you’re able to get cover.
Common questions about ovarian cancer
Here are some of the most common questions that people ask about ovarian cancer or living with ovarian cancer.
What are the symptoms of stage 1 ovarian cancer?
There are several main signs and symptoms of ovarian cancer which include:
- Abdominal pain, pressure, and bloating
- Excessive fullness after eating
- Problems eating
- Excessive urination
- Greater urges to urinate
How long do you live after being diagnosed with ovarian cancer?
According to statistics, the survival rates for ovarian cancer are 3 out of 4 women will survive more than 1 year. Around half (46%) of women with ovarian cancer live for more than 5 years.
Useful information for people with ovarian cancer
NHS Choices – ovarian cancer overview
Cancer Research UK – about ovarian cancer
Ovarian Cancer Action – charity