A trading style of Platinum Financial Consulting
AUTHORISED & REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
CANCER Life Insurance
We specialise in finding life insurance for those who have had cancer in the past.
It may be possible to obtain life insurance, but it will be subject to
individual consideration and circumstances, in particular, the aggressiveness
and size (grading and staging) of your cancer, and how long ago it is since the
end of your treatment.
We can also help you with your other insurance needs, such as income protection insurance and travel insurance.
We are experts in knowing which insurers will consider your application, given your cancer, with a wealth of knowledge and years of experience. Most importantly, we do all the work for you making this a hassle-free and streamlined process.
Whilst we can’t always guarantee that we can get you life insurance if you have had cancer, rest assured that we won’t leave any stone unturned. We will give you an honest assessment as to whether you will be able to get life insurance, as well as an indication of how much it might cost.
If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate, so you can be confident in knowing you have the best deal.
We will do all the paperwork for you, and will keep you updated throughout so that you know how things are progressing.
We have a team who are specialists in finding life insurance for cancer sufferers, and they are always on the end of the phone to discuss your needs or concerns. We are a UK based company, you will not have to talk to foreign call centres.
So if you want the peace of mind of having some life insurance in place, we are the people to help.
These are just two of the testimonials we have received after finding life insurance for clients:
“From first point of contact with Life Insurance Help, I was reassured and felt I was in good hands. They kept me up to date on the progress of my application at every stage, and were exceptionally prompt in replying to any query I had. Due to my circumstances it was a long process, but thanks to them, my cover is in place and my mind at rest. Thank you so much.”
“We have been very happy with the service, they called and mailed me on a regular basis to make sure all was okay – very professional and friendly service.”
So please get in touch and tell us about your circumstances, and we will help you find the insurance you need.
Besides helping you obtain Life Insurance if you have had cancer, we also want to provide our customers with as much help as possible in dealing with their pre-existing condition.
Cancer is a term that is used to refer to a number of conditions where the body's cells begin to grow out of control and invade, erode and destroy normal tissue. This rapid growth of cancerous cells is known as a malignant tumour.
Cancer sometimes begins in one part of the body before spreading to other parts. This process is known as metastatis.
Cancer is a common condition and is a serious health problem, both in the UK and across the world. It is estimated that in the UK, cancer is responsible for 126,000 deaths per year. One in four people die from cancer.
There are over 200 different types of cancer, all with different causes, symptoms and types of treatment. The most common cancers in the UK are: Breast cancer, Prostate cancer, Lung cancer, Cancer of the colon, Cancer of the rectum, Bladder cancer, Cancer of the uterus (womb).
Risk factors for cancer include smoking, drinking alcohol, obesity, poor diet, lack of exercise, and prolonged exposure to sunlight.
Treatments for cancer include surgery, chemotherapy and radiotherapy. Some cancers can be cured if detected early enough.
The Staging of Cancer :
“Staging” measures how far a cancer has progressed. There are two main ways of staging cancer.
The TNM staging system is used to describe solid tumours which affect, for example, the breast, head, neck and lungs, and genito-urinary cancers.
T - the stage of the primary Tumour where the cancer started
N - whether the cancer has infected the lymph Nodes
M - whether the cancer has spread or Metastasized
The primary tumour (T) is where the cancer started. The T stage will be numbered between 1 and 4. For example, T1 is a small or early stage cancer, T4 is a large or advanced stage cancer.
Lymph nodes (N) are part of the lymphatic system, and the N in TNM staging describes whether the cancer has spread to the lymph nodes. The node or N will be numbered between 0 and 3 to record how many lymph nodes have cancer. For example, N0 means there is no cancer in the lymph nodes and N3 will mean there are many lymph nodes affected by the cancer, and cancer may have spread to other areas of the body too.
Presence of metastatases (M) describes whether the cancer has spread (metastasized). M in TNM staging may be 0 or 1. If the cancer has spread it is called M1, if it has not spread it is called M0.
The Number staging system is used for some cancers, such as lymphoma, thymus and liver cancer, and will be numbered 1 to 4.
Stage 1 refers to a small tumour, which hasn't spread to the lymph nodes, and can also be called early stage.
Stage 4 refers to a cancer which has spread to other major organs in the body and is also called advanced stage.
There are also other staging systems which may be used for different types of cancer.
For example, Dukes staging system is used for the staging of bowel cancer. Dukes A means the cancer is within the bowel, Dukes B means the cancer has spread into the muscle but is not found in the lymph nodes, Dukes C means one or more lymph nodes near the bowel are affected in addition to the bowel, and Dukes D means the cancer has spread to another part of the body such as the liver or lungs (secondary cancer)
The Grading of the Cancer :
The grade of a cancer is about the aggressiveness of the cancer. It is a description of a tumour based on how abnormal the cancer cells look under a microscope, and how quickly the tumour is likely to grow and spread.
Grade 1 or Low grade refers to cancers which are slow growing and the cells look much like normal, healthy cells. They are less likely to spread.
Grade 2 or Moderate / Intermediate grade are cancer cells which look much less normal and are growing slightly quicker.
Grade 3 or High Grade cancer cells don't look like normal cells and are more likely to grow quickly and spread.
A life insurance policy is designed to pay out a lump sum upon the death of a person or persons named on the policy.
Most people understand that if they have a family or significant liability, then life insurance is a vital product to make sure the people and things they care about are protected.
There are many different types of life insurance available depending on your needs. The good news is that we are able to help you with all of them.
We take the time to ensure that our customers have the most appropriate life insurance to meet their needs, whilst also making sure that the price is right. Some of our most satisfied customers came to us as they were unable to obtain the life insurance they wanted elsewhere.
We can't guarantee that we can get you life insurance, but we will leave no stone unturned. Given our experience, if we are unable to get you life insurance cover, it is unlikely you will be able to get it at all. We will however give you a good understanding on future insurability, and an honest assessment of your situation.
Whatever your life insurance needs, we are able to help you. We have access to all the products from all of the UK's leading insurance providers.
Platinum Financial Consulting
The Old School House,
East End Road
Essex, CM0 7PY