Life Insurance and Income Protection After Cancer

Cancer is a scary word and a scarier illness. According to Cancer Australia, a government initiative, the risk of developing cancer by the age of 85 is 1 in 2. The most common types of cancer in Australia are breast cancer, prostate cancer, melanoma and cancer of the colon. Although the incidence of cancer has increased substantially over the last decade, mortality rates have fallen. Cancer awareness, screening, detection and treatment have all improved significantly. This has resulted in many insurance companies having to change their attitudes to the perceived risk a cancer survivor presents.

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How can I get life insurance or income protection after recovering from cancer?

Getting in touch with Curo is great place to start. We have an excellent track record of being able to secure cover for those who have successfully overcome cancer. Whether it be breast cancer, prostate cancer or another form of cancer, we are able to able to assess your case and explain your options to you.

There are various types of cancers and multiple stages/gradings associated with each type. Moreover, there are different types of insurances with each type offering protection suited to different purposes.

Having helped many cancer survivors in the past, we know exactly what will be needed to best position you and your situation in the eyes of the insurer.

How will Curo Financial Services help me?

Our expert advisers have extensive experience in obtaining quality life insurance and income protection for pre-existing cancer conditions and provide you with the following guidance:

Information

We will provide you with information regarding the various types of covers available and what will be considered when you apply for the insurance.

Some of the things we will need to know before giving you and indication of whether life insurance or income protection will be available include:

Do you have a family history of cancer?
What treatment did you undergo and how long were you being treated for?
How long have been in remission?
Have you had multiple occurrences of this cancer or suffered from any other form of cancer?
We will need to see as many medical reports as possible as well as have an in depth understanding of your medical history.

Expert Advice

We can provide you advice on what is the best strategy and guide you as to the most appropriate levels of cover for you and your loved ones. Our sole interest is to make sure that you get appropriately covered.

Paperwork

We will do the paperwork with you so that you can rest in ease. Our experts know what documentation is required and how to make the process as streamlined as possible. We work diligently to ensure that we present all of the reports and test results that will ensure you receive the most appropriate assessment.

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Types of Cancer

Below are some of the more common types of cancer we see amongst survivors:

Breast Cancer

Breast cancer is one of the most common causes of cancer in women. With an increasing number of younger women suffering from breast cancer, there is greater awareness than ever before.

We will need to view histopathology results as well as corresponding medical reports before being able to take our assessment further.

Melanoma

The most dangerous type of skin cancer, melanoma is a common occurrence in Australia due to prolonged sun exposure. Melanoma occurs when the pigment cells in the skin become cancerous. It is often first noticed as dark patches on the skin become visible and often occur on the face, neck, legs, back and chest.

There are different forms of melanoma and various stages that determine the severity of the disease and therefore the likelihood of receiving insurance. We will need to view histopathology results as well as corresponding medical reports before being able to take our assessment further.

Prostate Cancer

Prostate cancer is one of the most common cancers that men suffer from. However, if treated appropriately and detected quickly, it has a high survival rate. The crucial measurement that insurers look for when assessing prostate cancer is the PSA reading. We will need to see a current PSA test result before being able to assess this further.

Brain Tumour

Brain tumours can be benign or malignant. Though it is easier to get insurance for benign tumours, it is extremely difficult to obtain cover after having any form of cancerous brain tumour. Moreover, the type of treatment you have undergone will have an impact of the availability of insurance after recovering from a brain tumour.

Lymphoma

Lymphoma is a cancer that affects your white blood cells and usually occurs in young adults. With varying levels of severity, we will need comprehensive details relating to the cancer as well as the treatment you have had before being able to give an indication of the life insurance or income protection that is available to you.

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General Advice Disclaimer

General advice warning: The advice provided is general advice only and in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.

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