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Life Insurance for People with Cancer History UK

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
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TL;DR

A cancer diagnosis is a life-altering event. Beyond the immediate health concerns and emotional turmoil, it often brings financial worries to the forefront. Suddenly, the need to protect your family's financial future can feel more urgent than ever.

Key takeaways

  • The severity of the cancer: Was it a low-grade, localised cancer or a more aggressive, advanced type?
  • The success of the treatment: Was the treatment effective in removing or controlling the cancer?
  • The risk of recurrence: What are the chances of the cancer returning?
  • Grade (1-4): This describes how the cancer cells look under a microscope. A lower grade (Grade 1) means the cells look more like normal cells and are slow-growing. A higher grade (Grade 4) means the cells are very abnormal and likely to grow and spread quickly.
  • Stage (TNM): This describes the size of the cancer and how far it has spread. Underwriters use the TNM system:

A cancer diagnosis is a life-altering event. Beyond the immediate health concerns and emotional turmoil, it often brings financial worries to the forefront. Suddenly, the need to protect your family's financial future can feel more urgent than ever. But this new urgency is often met with a daunting question: can you still get life insurance after a cancer diagnosis?

The answer, in many cases, is a reassuring yes.

Navigating the world of life insurance with a history of cancer can be complex, but it is far from impossible. The UK insurance market has evolved, and many providers are now able to offer cover to cancer survivors, provided enough time has passed and the prognosis is good.

This guide is designed to demystify the process. We’ll walk you through what to expect when you apply, how insurers assess your application, what your options are, and how you can significantly improve your chances of securing the vital protection your family deserves.

What to expect if you apply with a past cancer diagnosis

Applying for life insurance after cancer is a more detailed process than a standard application. Insurers need to build a comprehensive picture of your past health, current situation, and future risk. Honesty and patience are your greatest allies here.

When you declare a history of cancer, you trigger a process called medical underwriting. This is where the insurer’s underwriting team assesses the level of risk you present. Expect the application to be longer and more in-depth. You won’t get an instant online decision; your case will be reviewed individually by a human underwriter.

The core of the process will revolve around a specific set of questions about your cancer journey. The insurer’s goal is to understand:

  • The severity of the cancer: Was it a low-grade, localised cancer or a more aggressive, advanced type?
  • The success of the treatment: Was the treatment effective in removing or controlling the cancer?
  • The risk of recurrence: What are the chances of the cancer returning?

To do this, they will almost certainly request access to your medical records from your GP or specialist. This is a standard part of the process and allows them to verify the details you’ve provided and get a full clinical picture.

The key takeaway is to be prepared for a more involved application. It will take longer than for someone with no health conditions, but it's a necessary step for the insurer to offer you the most appropriate terms.

The Underwriting Process Explained for Cancer Survivors

Understanding what underwriters are looking for can help you prepare for your application and manage your expectations. They are not trying to catch you out; they are trying to accurately price the risk based on established medical evidence and statistics.

Here are the critical details they will assess:

1. The Type of Cancer

Not all cancers are viewed in the same way. An underwriter will have a very different response to a history of low-grade skin cancer versus a history of advanced pancreatic cancer. Cancers with higher survival rates and lower recurrence rates are naturally seen as lower risk.

2. The Cancer's Grade and Stage (TNM)

This is perhaps the most crucial factor.

  • Grade (1-4): This describes how the cancer cells look under a microscope. A lower grade (Grade 1) means the cells look more like normal cells and are slow-growing. A higher grade (Grade 4) means the cells are very abnormal and likely to grow and spread quickly.
  • Stage (TNM): This describes the size of the cancer and how far it has spread. Underwriters use the TNM system:
    • T (Tumour): How large is the primary tumour?
    • N (Nodes): Has the cancer spread to nearby lymph nodes?
    • M (Metastasis): Has the cancer spread (metastasised) to distant parts of the body?

An early-stage cancer (e.g., T1 N0 M0) that was contained and fully removed presents a much lower risk than a cancer that had spread to lymph nodes or other organs.

3. Dates are Decisive

The timeline of your cancer journey is vital:

  • Date of Diagnosis: When did it all begin?
  • Date Treatment Ended: This is a key milestone. It often marks the start of the "waiting period" for insurers.
  • Time in Remission: The longer you have been cancer-free with no signs of recurrence, the better your chances. Many insurers have specific timeframes (e.g., 2, 5, or 10 years post-treatment) before they will consider offering cover.

4. The Treatment You Received

The type of treatment provides further clues about the severity of the cancer. Insurers will want to know if you had:

  • Surgery to remove the tumour
  • Chemotherapy
  • Radiotherapy
  • Hormone therapy, targeted therapy, or immunotherapy

Successful surgery to completely remove a localised tumour is often viewed more favourably than a case requiring extensive, ongoing systemic treatment.

5. Your Current Health Status

Are you officially in remission? Do you have regular check-ups? Are there any lasting side effects from your treatment? These are all important questions. Being diligent with your follow-up appointments demonstrates to an insurer that you are proactively managing your health.

How Different Types of Cancer Affect Life Insurance Applications

Insurers have vast amounts of data on different cancers, which informs their underwriting decisions. While every case is unique, here is a general overview of how some common cancers are typically viewed.

Cancer TypeKey Underwriting FactorsGeneral Outlook for Insurance
Breast CancerStage (TNM), grade, hormone receptor status (ER/PR/HER2), time since treatment.Good outlook for early-stage (DCIS, Stage 1) cases after 2-5 years. Later stages may require a longer wait or result in higher premiums.
Prostate CancerGleason score, PSA level at diagnosis and now, stage, time since treatment.Excellent outlook for low Gleason score, early-stage cancers (e.g., managed by active surveillance or surgery). Often insurable 1-3 years post-treatment.
Testicular CancerType (seminoma vs. non-seminoma), stage, time since treatment.Very good outlook. Due to high cure rates, cover is often available on good terms 2-3 years after successful treatment.
Bowel CancerStage (especially lymph node involvement), time since treatment ended.Early-stage (e.g., Duke's A) cases have a good chance of cover after 2-3 years. More advanced cases will face a longer postponement period.
Skin CancerType is critical. Basal Cell Carcinoma (BCC) has minimal impact. Squamous Cell Carcinoma (SCC) slightly more.Malignant Melanoma is assessed on its Breslow thickness and staging. Thin, early-stage melanomas may get cover after 2-5 years. Thicker melanomas are higher risk.
Leukaemia/LymphomaType (e.g., CLL, AML, Hodgkin's), stage, remission status.Highly variable. Hodgkin's Lymphoma often has a good prognosis. Cover may be possible after a 5+ year remission. Acute leukaemias are seen as very high risk.

Important Note: This table is a simplified guide. The final decision will always depend on the specific details of your medical history.

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Potential Outcomes of Your Life Insurance Application

After the underwriter has reviewed your case, they will come back with a decision. It's helpful to know the range of possible outcomes.

  1. Standard Terms: This means you are offered life insurance at the standard price with no alterations. For a cancer survivor, this is the best-case scenario but is typically only possible many years (often 10+) after successful treatment for a very low-grade, early-stage cancer.

  2. Rated Premiums (A "Loading") (illustrative): This is the most common positive outcome. The insurer agrees to offer you cover but at a higher premium than a person of the same age in standard health. This increase is called a "loading" and reflects the increased risk. It might be expressed as a percentage (e.g., +150%) or a fixed amount per £1,000 of cover. While it costs more, it provides your family with the protection they need.

  3. An Exclusion: In some cases, an insurer might offer cover but with an exclusion for claims related to your specific cancer. This is more common for Critical Illness Cover than for Life Insurance, but it can happen. It means the policy would pay out for death from any cause except the cancer you had.

  4. Postponement: This is a very common outcome, especially if you apply too soon after finishing treatment. The insurer isn't saying "no" forever; they are saying "not right now." They will typically invite you to reapply after a specific period, for example, two years after you have been in full remission.

  5. Decline: Unfortunately, for some, particularly those with a recent diagnosis, an advanced stage of cancer, a type with a poor prognosis, or one that has recurred, the application may be declined. While disheartening, a decline from one insurer doesn't mean all will decline. This is where a specialist broker becomes invaluable.

A Clear Timeline: When to Apply for Life Insurance After Cancer

Timing is everything. Applying at the right moment can be the difference between a postponement and an acceptance. While your personal circumstances dictate the exact timeline, here is a general guide.

Time Since Treatment EndedLikelihood of Securing CoverPotential Terms
During TreatmentAlmost zero.Applications will not be accepted for standard life insurance.
0-2 Years Post-TreatmentVery Low to Low.Most insurers will postpone the decision. A specialist provider might consider it for very low-grade cancers, but expect a significant premium loading.
2-5 Years Post-TreatmentModerate.This is where the window of opportunity really starts to open for many cancer types. You can likely get cover, but almost certainly with a premium loading.
5-10 Years Post-TreatmentGood.Your options increase significantly. Premium loadings will still apply but may be lower than in the 2-5 year window. Some may offer close to standard rates.
10+ Years Post-TreatmentVery Good.For many common, early-stage cancers, you may be offered standard or near-standard terms. The impact of your cancer history is now significantly reduced.

This timeline illustrates why patience is crucial. Rushing to apply too soon can lead to a declinature or postponement that could have been avoided by waiting another year or two.

Exploring Your Protection Options Beyond Standard Life Insurance

If a standard life insurance policy isn't immediately available or is too expensive, don't despair. There are other types of protection that might be suitable.

  • Critical Illness Cover: This pays out a lump sum if you are diagnosed with a specific serious illness. Getting this cover after a cancer diagnosis is very challenging. Most insurers will, at a minimum, place an exclusion on any cancer-related claims. Some may decline cover altogether.

  • Income Protection: This policy provides a replacement income if you're unable to work due to illness or injury. Similar to critical illness cover, any pre-existing conditions, including your cancer history and related complications, will almost certainly be excluded. However, it would still protect you against being unable to work for any other medical reason, which is still incredibly valuable.

  • Family Income Benefit (FIB): This is a type of life insurance that, instead of paying a single lump sum, pays out a regular, tax-free income to your family until the end of the policy term. Because the total potential payout decreases over time, FIB can be a more affordable way to secure cover, making it an excellent option if standard premiums are too high.

  • Guaranteed Acceptance / Over 50s Life Insurance: These policies do exactly what the name suggests: they guarantee to accept you without asking any medical questions.

    • The Catch (illustrative): They typically have a lower maximum sum assured (e.g., £20,000), are more expensive per pound of cover than underwritten policies, and have a "waiting period" of 12 or 24 months. If you die from natural causes during this period, the insurer will usually just refund the premiums you've paid rather than paying the full claim. They are a last resort but can provide some cover for funeral costs if all other avenues are closed.

Specialist Cover for Business Owners & the Self-Employed

If you run your own business, the financial implications of ill health or death are magnified. Protecting your business is just as important as protecting your family.

For Company Directors

  • Relevant Life Cover: This is a tax-efficient life insurance policy taken out by your limited company for you as an employee. Premiums are typically an allowable business expense, and it doesn't count towards your lifetime pension allowance. From an underwriting perspective, an application for Relevant Life Cover is assessed in exactly the same way as a personal one, considering your cancer history.

  • Key Person Insurance: This protects the business itself from the financial loss it would suffer if a key individual—like a founder, top salesperson, or technical expert—were to die or be diagnosed with a critical illness. Again, the underwriting for the "key person" would be based on their individual medical history. Securing this cover can be vital for business continuity and investor confidence.

  • Executive Income Protection: This is a policy paid for by the business to provide an income to a director or employee if they are unable to work. As with personal income protection, a history of cancer will likely lead to an exclusion, but it remains a hugely valuable benefit for protecting against all other potential illnesses and injuries.

For the Self-Employed & Freelancers

For sole traders and freelancers, there is no safety net. If you can't work, you don't earn. This makes Income Protection the single most important financial protection product. Even with an exclusion for your past cancer, a policy that covers you for every other possible reason you might be unable to work is a financial lifeline. Don't let the perfect be the enemy of the good; some protection is infinitely better than no protection at all.

The Crucial Role of an Expert Insurance Broker

When you have a complex medical history, going directly to an insurer or using a non-specialist comparison site can be a frustrating and often fruitless exercise. A single "decline" on your record can sometimes make subsequent applications more difficult.

This is where a specialist independent broker, like WeCovr, becomes your most powerful asset.

An expert broker understands the nuances of the market. We know which insurers have a more favourable view of certain cancer types or are more flexible with their underwriting guidelines.

Here’s how we can help:

  1. Market Knowledge: We work with a wide panel of UK insurers, from the big household names to smaller, specialist providers. We know who to approach for your specific circumstances.
  2. Pre-Underwriting Enquiries: Before you submit a formal application, we can have anonymous, informal conversations with underwriters at various insurance companies. We present your medical details (without your name) to gauge their likely response. This "testing the water" approach avoids having a formal decline on your record and identifies the most promising insurer to apply to first.
  3. Application Support: We help you frame your application in the best possible light, ensuring all information is accurate and complete. This avoids unnecessary delays and back-and-forth with the insurer.
  4. Fighting Your Corner: If an insurer comes back with a decision that seems unfair, we can challenge it on your behalf, providing additional medical evidence or context to argue for better terms.

Working with a specialist broker saves you time, stress, and the emotional toll of potential rejection. It maximises your chances of getting the best possible cover at the most competitive price available.

Practical Tips for a Successful Application

  1. Be Completely Honest: The single most important rule is to disclose everything about your cancer history and current health. Non-disclosure of a material fact can give the insurer grounds to void your policy and refuse a claim, leaving your family with nothing. It's not worth the risk.

  2. Gather Your Medical Information: Don't rely on memory. Before you apply, gather all the key details: exact diagnosis, dates, staging/grading information, and treatment summary. If possible, ask your GP or consultant for a letter summarising your journey. Having this to hand makes the application process much smoother.

  3. Focus on Your Health Now: While you can't change your medical history, you can influence how underwriters view your current health. If you smoke, quitting is the single best thing you can do to improve your chances (and reduce your premiums). Maintaining a healthy weight, exercising regularly, and moderating alcohol intake all paint a picture of a proactive, lower-risk applicant. At WeCovr, we support our clients' long-term health, which is why we provide complimentary access to our AI-powered calorie tracking app, CalorieHero, to help them on their wellness journey.

  4. Don't Be Discouraged: If your first application is postponed or even declined, don't give up. It might just be a case of bad timing or the wrong insurer. The market is always changing, and your own health situation is improving with every year that passes. Speak to an expert who can guide you on the next steps.

Do I need to declare my cancer diagnosis if I have been in remission for many years?

Yes, absolutely. When applying for life insurance, you have a duty to disclose your full medical history. Insurers will ask specific questions, such as "Have you ever had cancer?". Answering this untruthfully constitutes non-disclosure and could invalidate your policy, meaning your family would not receive a payout when they need it most. Even a cancer diagnosis from 10 or 20 years ago must be declared.

Will my life insurance premiums always be higher after having cancer?

Not necessarily forever, but it is very likely in the initial years following remission. Insurers add a "loading" to the premium to reflect the higher statistical risk of death. However, the size of this loading typically decreases the longer you remain cancer-free. For very low-grade cancers (like Basal Cell Carcinoma) or for applications made 10+ years after successful treatment for an early-stage cancer, you may even be offered standard rates.

Can I get Critical Illness Cover after a cancer diagnosis?

This is significantly more difficult than getting life insurance. Due to the increased risk of a cancer-related claim, many insurers will decline an application for critical illness cover from a cancer survivor. Those that do offer cover will almost certainly apply a "cancer exclusion," meaning the policy would not pay out for any new diagnosis of cancer. It could still cover you for other conditions like a heart attack or stroke.

What should I do if my life insurance application is declined?

Don't panic and don't give up. A decline from one insurer does not mean you are uninsurable. Different insurers have different appetites for risk. The best course of action is to speak to a specialist insurance broker, like our team at WeCovr. We can review the reasons for the decline, advise on which other insurers may be more suitable, and guide you on the best time to reapply. In the meantime, you could consider a Guaranteed Acceptance policy for some level of cover.

Is it worth applying for life insurance if my cancer was very recent?

Generally, it is better to wait. Most insurers will automatically postpone an application made within the first 1-2 years after treatment has finished. Applying too early can result in a negative mark on your record that could have been avoided. A specialist adviser can give you a realistic timeframe based on your specific diagnosis and help you decide on the optimal moment to apply.

Taking the Next Step

A history of cancer adds a layer of complexity to getting life insurance, but it should not be a barrier to securing your family's future. The key is to be prepared, be patient, and most importantly, get the right advice.

By understanding how insurers view your history and by working with a specialist who can navigate the market on your behalf, you can find a solution that fits your needs. While the journey may be more detailed, the peace of mind that comes from knowing your loved ones are protected is immeasurable.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.

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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why life insurance and how does it work?

What is Life Insurance?

Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.

How does it work?

Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.

The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.

With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.

Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.

Questions to ask yourself regarding life insurance

Just ask yourself:
👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?

Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.

Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.

Benefits offered by income protection, life and critical illness insurance

Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.

Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.

If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.

Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.

In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.

Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.

And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?

Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:

  • Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
  • Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:
✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs

Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.

Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.

Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.

Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.

Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.

Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.

Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get life insurance early?

👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of experienced advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.

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