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You can still get life insurance after cancer treatment

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No company will offer cover if your treatment is ongoing

No company will offer cover if your treatment is ongoing

No company will offer cover if your treatment is ongoing

If you have suffered cancer or any other serious disease in the past you can still get life insurance, but it will depend on a number of factors.

In such cases, insurers will ask you to undertake a medical examination or provide a detailed medical report.

Generally your premium is likely to be higher, or worse, an insurer could refuse to quote you. Some insurers might postpone offering cover until they know the outcome of a medical procedure you might be about to have or until a few years after the treatment was stopped.

But certainly no company will offer cover if your treatment is ongoing.

"With a serious illness such as cancer, it will depend on the type of cancer and the severity," said Barry McCutcheon of Aviva. "However, as you would expect, the longer the person is in remission, the lower the premium. In many cases, standard premium rates are possible."

According to Offaly-based life insurance broker Lion, most insurers will insist on proof that you have been off-treatment for cancer for a certain number of months or years before they will agree to insure you.

For instance, you might have to wait between two and five years after treatment for breast cancer, three months to two years for skin cancer, six months and two years for testicular cancer, and three to 10 years for Hogkins and non-Hogkins lymphoma (stages one and two only).

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