Can I Get Income Protection With a Family History of Cancer?

I’m a 27-year-old woman and have a family history of cancer. I’m hoping to be able to get Income Protection, will any of the insurance companies let me apply?

Question asked by Sophie Adams
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Income Required
per
month
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02084327333
Our in-house Experts are here to provide Whole of Market Advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Tom Conner

How Insurers View an Applicant With a Family History of Cancer

Each insurer has their own way of measuring risk when it comes to insuring your income; therefore each insurer will view things differently. There are a few variants that the insurers will consider when it comes to covering a family history of cancer.

The insurers will only consider your natural parents and siblings, if you are unsure of your family history or don’t know your parents, the insurers will not take family history into consideration.

Some of the factors they consider will include the following:

  • Your gender
  • Type of cancer suffered by family members
  • The number of family members that have suffered with the condition.

Once this information has been assessed, there can be a couple of outcomes. The insurers may exclude the condition from any future claims, but you will be covered for everything else. Or they could increase the premium to reflect the higher risk – this is known as a “loading”.

We can help you find the most suitable provider

The research on finding which Income Protection provider would provide the most favourable outcome can be done by one of our advisers on your behalf at no extra cost.

income protection
 
cancer
 
medical exclusion
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Income Protection Insurance Questions

 
What types of accident and sickness cover are available and how does this type of insurance work? Is...
 
I am an airline pilot and wondering if there is a specific Income Protection for pilots available. Loss...
 
I want to take out income protection but, as a company director, I want the business to pay and expense...
 
related to an answer for: Do I need income protection or accident, sickness and...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Martin Johnson
24/04/2019

A simple policy well explained good impartial advice and knowledge done with a smile! Many thanks.

Julia Bickley
19/04/2019

I found the service very friendly, professional and those I spoke to were clearly knowledgeable and explained things in an appropriate way. Great communication, and very personable staff. I would use again without a doubt.

Valerie Graham
17/04/2019

Excellent – very helpful and knowledgable. No sell, just education and assistance. Would highly recommend!

We are rated 4.9/5 based on 2198 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
2198 Reviews
A Teehan
Overall Rating
I dealt with Jake and he was very helpful and answered all my queries, very happy with the service and would highly recommend.
A B
Overall Rating
Quick, easy friendly service. Egle was amazing.
R Whyte
Overall Rating
Great, quick and easy and very professional
A Evans
Overall Rating
Very customer focussed, and very professional to deal with.
A Chappell
Overall Rating
Very good company all the staff are very polite and helpful. Oliver has been very helpful and made it very easy for me to understand the policy that I was buying. Many thanks to all the team.