Life Insurance Problems

Hi all.

I was diagnosed with Chronic Myeloid Leukaemia in March.

I’ve just remortgaged and like any sensible person I thought I should get life insurance given that I have three small children and I work full time.

I went through Tom and got a stonewall no, in that no insurers will offer to cover me.

I’m 42 and otherwise fit and well. Consider myself to be lucky in that respect.

Obviously I’m a bit miffed that they seem to think I’m too ill for them even though the specialists say it shouldn’t affect my lifespan.

But in a practical sense it’s a bummer because I can’t offer my family a bit of security.

Anyone got any experience of this, or know any solutions or more flexible insurers?

Thanks.

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Hi @BlueBoar and welcome to the forum. After my diagnosis (I was 41, now 45 with a diagnosis of Follicular lymphoma) I was able to make a claim on my critical illness cover but my life insurance then became invalid and I wasn’t able to get this anywhere else. I did try an independent broker but had no luck - the same with medical insurance as well. I understand your frustration and that need to protect your family. I also had two young children (aged 8 and 11 at the time) and my first concern was how I could provide security for them and my husband. This was so important to me and that need to make sure they will be ok is still so strong 4 years down the line.
Macmillan have some good Information on insurance and a financial helpline/insurance brokers you can call with questions. This may be worth a look? Also, the Blood Cancer UK helpline may also be able to offer some advice.
I hope some of this helps and fingers crossed you get some helpful support and advice. Please keep us updated on how you get on. I’m sure other people in the forum may have some useful input into this discussion.
How are you doing since your diagnosis, especially during lockdown which had been so challenging for us all?

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Hi @BlueBoar, a great big welcome to our forum and what a really important dilemma/ question you have raised. @Nichola75 has given you good advice and I hope others will be able to share their experiences. It must be so worrying for you with a mortgage and a young family, a bit miffed probably doesn’t cover it. Take care and please keep posting what it is like to be you.

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Hi @BlueBoar a warm welcome to the forum. I’m so sorry you’re having these issues getting life insurance, I imagine it must be really frustrating for you. Like @Nichola75 mentioned, Macmillan have some information around this and they also have financial and welfare advisors on their helpline who may have further information.

There’s also some general information from the Money Advice Service - https://www.moneyadviceservice.org.uk/en/articles/buying-insurance-if-youre-ill-or-disabled#life-insurance

Hopefully you’ll get some responses from others who have some tips or recommendations!

May I ask how you’ve been doing since your diagnosis?

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Hi @BlueBoar, just wondered how you were doing and if you had got any further with this?

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Thanks folks. I’ve been doing pretty well to be honest. I know I’m very lucky in that respect.

I’m no further forward insurance wise. I tend to find that you speak to a broker, they act all helpful and then get back to you and say they can’t help!

I’m grateful for all the advice above though.

I’ve spoken to Macmillan who are bloody marvellous aren’t they! They will look into it and ring me back tomorrow.

The thing that gets me is that if they bothered to speak to my doctor they would understand. But I just get a flat no. I wish I had taken it out before!

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Hi @BlueBoar. I’m glad you are doing well. I know how you feel, it’s very frustrating. Fingers crossed Macmillan can help. Keep us updated. I’m interested to hear what they say.

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Thanks @Nichola75👍 Will do.

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How did it go @BlueBoar?

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Well @Nichola75 it’s still a work in progress. I have been advised to contact a company called the insurance surgery. They at least have taken some medical details.

A number of insurers want me to be “in remission” for five years which of course doesn’t really fit with a chronic condition.

I’m very lucky that CML hasn’t affected me unduly. I read some tough stories on here. But it has been a sobering experience to be 42 and to learn that so many people reckon I’m heading for the knackers yard!

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It must be so frustrating at 42 yrs old @BlueBoar. I have actually not needed such insurance since diagnosis. Please keep letting us know how you are getting on as I am sure it will assist many others !!

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I’m glad you have made a little progress. Fingers crossed you get somewhere. Like you, it wasn’t something I ever thought I’d be thinking about - and having so much trouble with - in my early forties! Remission and blood cancer don’t really work do they. You definitely don’t sound like you are ready for the knackers yard yet. It does make me mad though!

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Hello,

I was recently diagnosed with CML and made an insurance claim under critical illness on an existing policy. This has now ended and I have been looking into taking out a new Life Insurance policy but I’m being told this is not possible while undergoing treatment. Does anyone know of any companies that do offer policies for persons with existing conditions?

Thanks

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Hi @PK3266, unfortunately I cannot help but I wanted to welcome you to our community forum and I hope you will find it as supportive as I do and you can see the variety of posts on here and if you would like to talk to someone you can contact the wonderful Blood Cancer UK Support Services Team on 0808 2080 888 10am-7pm Monday-Friday and 10am to 1pm Saturday and Sunday or via email at support@bloodcancer.org.uk.
What I would say is what I realise is most types of insurance are a problem for us and travel insurance is also a big one for us.
It often does not matter what blood cancer we have most of us seem to share similar feelings, thoughts, symptoms and practicalities. Take care and I look forward to hearing more from you.

Hi @PK3266 and welcome to the forum. The same happened to me. I had a broker look into it for me and was unable to find anybody who would offer life insurance. Sorry I couldn’t give a more positive response. How are you doing at the moment? X

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Thank you for the welcomes

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Hope you don’t mind @PK3266 I’ve merged your thread with another life insurance thread . There might be some tips in this thread that could offer some guidance. Sorry you’re having trouble with this! Hope you’re doing okay.

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