A cancer diagnosis can be an intimidating and stressful thing to go to for any family. With so much uncertainty, making the right next steps is important.

Life insurance can provide great peace of mind and financial security for those with dependents. Unfortunately, cancer can play a restrictive role in getting life insurance. 

At Life Compare, we are eager to help anyone who needs it, as best we can. If you have any concerns regarding your cancer diagnosis and how to get life insurance, speak to our experts today.

People who have already been diagnosed with cancer may have a harder time getting cover. However, it is still possible. 

Aspects relating to your cancer will have a significant effect on whether or not you can receive cover. This includes aspects such as the stage, type and grade of your cancer diagnosis. 

If you are currently receiving treatment for cancer, then it may be difficult to find an insurer willing to provide you cover. If you have finished treatments, the insurance company will look at the care you have received and how likely it is for the cancer to return to assess your case. 

Each life insurance application is assessed individually. For more clarity regarding your particular case, speak to us today.

If you have received a cancer diagnosis prior to investing in life insurance, then you may face higher premiums. 

Depending on the type, stage and grade of your cancer, premiums will vary. For example, someone with stage 3 cancer will likely face higher premiums than someone with stage 1 cancer. 

However, any cancer diagnosis is likely to increase your premium.

If you have received a cancer diagnosis prior to investing in life insurance, then you may face higher premiums. 

Depending on the type, stage and grade of your cancer, premiums will vary. For example, someone with stage 3 cancer will likely face higher premiums than someone with stage 1 cancer. 

However, any cancer diagnosis is likely to increase your premium.

When you are cancer free, your chances of getting life insurance will improve. However, you may have to wait up to five years until getting traditional cover. 

After five years of complete remission, doctors may say that your cancer is cured. This is a timeline that insurance providers may also follow. 

In some situations, you may be able to receive life insurance without having to wait such a lengthy period of time. However, some insurers may require you to wait as this will give them more information on your condition and potential development. 

There is nothing to worry about if you have been diagnosed with cancer after investing in life insurance. Your insurance provider will honour your cover, no matter what illness or condition you may experience. 

The only exception to this is if the insurance provider discovers you have not been honest in your application and have lied about your medical history. 

It is recommended to keep up with your life insurance premiums after diagnosis. If you were to seek a new policy after diagnosis, you may experience difficulties. 

In the unlikely circumstance that your life insurance is not honoured by a provider, speak to an expert about taking action for your policy. 

Various types of cancer will have their own waiting periods in terms of when life insurance may become available for you after you conclude treatment. Some of the waiting periods for different types of cancer include: 

For further information, or queries regarding the wait times of other types of cancer, speak to us today.

When you are applying for life insurance, you must provide accurate information that relates to your health, lifestyle, and other influential factors. 

Information you must provide an insurer includes:

All insurance companies in Ireland have a complaints handling process for their consumers, by law. This means if you are unhappy with aspects of your life insurance, you can make a formal complaint. 

If you have queries or concerns regarding how to make a complaint, or what the best approach is, get expert help from Life Compare today.

If your application has been rejected, speak to Life Compare today. We can listen to your situation and provide you guidance on what the next best steps are. 

Just because an insurance provider rejects your application does not mean you cannot get cover elsewhere. We can look at all of your options and see if there are viable alternatives for your circumstances.

If you have recently been diagnosed with cancer and are seeking life insurance, contact us today. Getting insured in this situation can be difficult, which is why we are eager to help. 

Our experts will be able to guide you in the best way possible, as well as finding the right cover for you. 

Should you have any other concerns about getting life insurance, you can receive clarity from our dedicated team. From finding the lowest price to advising the best kind of cover, Life Compare can help today.