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

will a cyst affect life insurance
Don’t worry.

Breast cysts are one of the most common female medical issues.

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 when it comes to underwriting applications for life insurance with a 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.

Factors affecting life insurance with 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 (we looked at life insurance cover after cancer here)

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

What information will the insurer need?

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

For serious illness cover, 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 seeing your histology report (detailed report about the cancer).

If you can get me a copy of your histology report, I can then speak to my insurers anonymously and get you an indicative quote.

Please note, you’ll have to wait at least 12 months from the date your treatment ends before you can apply.

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?

You’ll get the normal price for a simple cyst, 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.

Don’t worry, I can get you covered at the normal price if the lump was benign.

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

It’s what I do!

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

Or even better, try this out, I think it’s quite nifty…click here to check my diary and schedule a 15 minute call at a time that suits us both.


If you’d like me to make a recommendation on the types of cover you should consider based on where you are in life, please complete this questionnaire and I’ll be right back.

Nick McGowan | making life insurance easier

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