Here at Lion, we have arranged numerous life insurance policies for clients with benign brain tumours.
But I do remember the first time someone came to me looking for cover.
I was so naive; I thought there was no chance of getting cover.
Back then, brain tumours sounded scary, but most benign tumours don’t cause a problem when applying for life insurance.
But it very much depends on how the insurer you choose underwrites the specific tumour you had.
The most common ones are usually fine once fully removed, and a postpone period has passed since surgery.
I’m thinking of things like
Others can still be a problem depending on where on the brain they are located.
If they were large or spreading is an issue because of how the pressure affects normal brain tissue.
Benign tumours are usually slow-growing and rarely fatal; however, they can cause problems due to their size.
Space for growth is limited, so there is a danger the growing tumour can press on areas of the brain and affect normal functioning.
It’s sometimes also difficult to confirm complete removal (pituitary tumours don’t always need removal)
If you have had a brain tumour in the past that was being and completely removed, the insurers will accept you at the standard price.
However, there is usually a postponement period of three years post-surgery.
If it were malignant, the insurer would defer cover for a further postponement period (2-5 years depending on the stage of the tumour). Once this period has passed, you will pay an increased premium, usually for the first ten years after treatment has finished.
An example may make it easier:
However, if there have been complications such as
then it will be more difficult to get cover.
To discuss your case with my panel of underwriters, I’ll need to know
With that information, I can speak with my underwriters to check whether it is worthwhile to apply.
If the underwriters agree to consider an application, the insurer will write to your GP for a detailed medical history once you apply.
Yes, where there has been a full recovery.
As serious illness cover policies pay out for benign brain tumours, there will be an exclusion here, meaning you cannot claim in the future if the tumour returns.
It’s impossible to say without knowing the specifics of the tumour.
Have you had a brain tumour and need life insurance?
Please contact me before making an application.
Some insurance companies are very strict when it comes to underwriting life insurance after a brain tumour.
Make sure you approach the correct insurer for your health condition.
If you complete this questionnaire, I can advise you.
Alternatively, if you’d like to talk it over first, you can schedule a call here.
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