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.
There are two main factors that underwriting will examine:
Breast cysts are generally benign so that they won’t affect the cost of your life insurance premiums.
If you’re applying for life insurance, you’ll need to complete a questionnaire.
For a straightforward benign breast lump, you’ll pay the same price as everyone else.
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.
In this case, the insurer will postpone deciding until the follow up is complete and the results are available.
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.
You’ll get the normal price for a simple cyst that was surgically removed and confirmed as benign.
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.
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