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Can You Get Life Insurance with a Breast Lump / Cyst?

mortgage protection with benign lump

Don’t worry.

Breast cysts and abnormal smears are the most common female medical issues our clients ask for advice.

The good news is that it’s possible to get cover at the normal price (i.e. no increase in your premium)

But be careful which insurer you apply to!

Each insurer has different rules regarding underwriting applications for life insurance with a benign breast lump.

So if you don’t know what you’re doing, you could apply to the wrong insurer and end up paying silly money for your cover.

What factors affect life insurance if you have a breast lump?

There are two main factors that underwriting will examine:

  1. Was your breast lump or cyst benign (non-cancerous) or malignant (cancerous)?
  2. If malignant, to what degree has it spread (here we examine life insurance cover after cancer)

Breast cysts are generally benign so that they won’t affect the cost of your life insurance premiums.

What information will the insurer need if I’ve a breast lump or cyst?

If you’re applying for life insurance, you’ll need to complete a questionnaire.

For serious illness cover and income protection, the insurer will request a medical report from your GP.

How much does life insurance with a breast cyst cost?

For a straightforward benign breast lump, you’ll pay the same price as everyone else.

You can get an indicative life insurance quote here

If the lump is malignant, it’s impossible to give you an indicative quote without knowing the exact staging and grading.

Even better, if you can get me a copy of your Histology Report, I can discuss the results with my insurers anonymously to get you an indicative quote.

What if I have a follow-up exam or mammogram scheduled?

In this case, the insurer will postpone deciding until the follow up is complete and the results are available.

Can I get serious illness cover after having a breast lump removed?

Yes, if the lump was benign, although you will pay extra, or the insurer may exclude breast cancer as a claimable illness on your policy.

What about income protection after breast surgery?

You’ll get the normal price for a simple cyst that was surgically removed and confirmed as benign.

Over to you…

If you have had a breast lump/cyst in the past and are anxious about making a life insurance application, please get in touch.

I know which insurer to approach and present your application to get the best price with the least amount of hassle.

If you’re reading this during office hours, I’m available at 05793 20836 for a confidential chat.

Click here to check my diary and schedule a 15-minute call at a time that suits us both.

Talk soon!

Nick McGowan
lion.ie | making life insurance easier

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