Life insurance after adjuvant therapy for 1 seminoma

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  • apple
    Registered User
    • May 2006
    • 161
    #1

    Life insurance after adjuvant therapy for 1 seminoma

    Hello friends,

    I'm 36 and am nearly 1 year post diagnosis of seminoma stage 1. I had adjuvant carbo x1. All clear so far...

    I was wondering if any one here has experience of getting life insurance in this situation? Any firms (in the UK) I should try first?

    I'm not getting my hopes up, but I have 2 kids so I am keen on securing something for them if the worst were to happen.

    Thanks,
    A
    July 2010 Stage one seminoma, 4.8cm. Rete testis invasion. HCG 28.
    Sept 2010 Single dose carboplatin (AUC x 7)
    Dec 2010 Tumour markers normal.
    Mar 2011 Follow-up CT scan - clear.
    Sept 2011 CT and CXR - clear.
    Tags: None
  • apple
    Registered User
    • May 2006
    • 161
    #2
    I should say that I did have life insurance before I was diagnosed, but I claimed it because it was a combined critical illness / life insurance policy. It paid out, which was extremely helpful, but now I am looking for a new policy as I am uninsured (apart from my work pension, which includes a death in service lump sum).

    Thanks!
    July 2010 Stage one seminoma, 4.8cm. Rete testis invasion. HCG 28.
    Sept 2010 Single dose carboplatin (AUC x 7)
    Dec 2010 Tumour markers normal.
    Mar 2011 Follow-up CT scan - clear.
    Sept 2011 CT and CXR - clear.

    Comment

    • jonwil
      Registered User
      • Jul 2008
      • 334
      #3
      Apple

      Can only go by my experience with travel insurance. It may well be best to wait until you are past the 1 year stage - maybe even 12 months after your carbo treatment. Rates are likely to be lower than if you apply now.
      Jon
      Left orchiectomy May 2008, AFP 1600, βHCG 200and normal after 5 months (AFP4, βHCG<1)
      Non-Seminoma stage 1 - Under surveillance
      3 years on and still all clear

      Comment

      • Smartie
        Registered User
        • Mar 2006
        • 2842
        #4
        Hi Apple.

        Like you, I was insured with a critical illness policy which paid out when I was diagnosed.

        At the time, I was told by my bank (HSBC) that they would not insure me for two years, and that after that time they would insure me, but would exclude all types of cancer from the policy.
        Nick

        Embryonal Carcinoma; Seminoma. Marker negative.
        August 2001: Right I/O .
        August - December 2001: Surveillance .
        December 2001: Relapse - Stage III. Mets in lymph nodes and lung.
        December 2001 - March 2002: 3xBEP .
        Complications: Neutropaenic sepsis during cycles 1 & 3. I/V antibiotics and isolation.
        March 2012 - Ten years since finishing chemo.

        Survivorship Blog is here

        Comment

        • Kat
          Moderator
          • Jul 2009
          • 342
          #5
          My husband has told been told it doesn't make sense for him to apply until he is THREE WHOLE YEARS out from his last treatment. We've talked to several different insurance providers (U.S.), and they all pretty much agreed that there would be no point to applying until then. Of course, he had copious surgeries and 2 rounds of BEP, so that makes him higher risk. They did say, however, that once he was a few years out from this that TC should not make his rate skyrocket, since it's highly curable.
          Kat
          sigpic_______________________________________________
          Caregiver
          DX 5/15/09
          Left orchiectomy 5/22/09
          60% embryonal, 40% seminoma, w/ VI, LI, T2 (CS-IB)
          CTs clear, X-rays clear, blood markers normal
          L-RPLND 7/14/09, San Antonio
          3 nodes positive, 100% embryonal, N1 (PS-IIA)
          2 rounds BEP August 24, 2009, Austin
          Enlarged lymph nodes Oct 09, Dec 09, Jan 10, Apr 10
          All clear 10/01/10

          Comment

          • chrisg551390
            Registered User
            • Jun 2010
            • 39
            #6
            You may find you need to wait five years or be discharged to make it affordable.
            Have you tried a financial advisor? I realise they are glorified salesman but this will be be a niche area. I have looked at the Orbis website which seems to offer this sort of thing.
            Judging by my travel insurance experience don't expect it is cheap.
            At least your mortgage is gone!
            Right side larger and harder then left 9/5/10
            Ultrasound right sided mass 12/5/10
            Right I/O 13/5/10
            3.5 cm seminoma with invasion of lymphatics / rete testis.
            Oncology 7/6/10
            1x Carboplatin 10/6/10
            Chest X Ray / Markers 21/1/11 Clear
            CT 1/7/11 Clear

            Comment

            • apple
              Registered User
              • May 2006
              • 161
              #7
              Thanks for the replies. I'm meeting with an IFA soon, so I'll let you know how I get on.

              Cheers,
              A
              July 2010 Stage one seminoma, 4.8cm. Rete testis invasion. HCG 28.
              Sept 2010 Single dose carboplatin (AUC x 7)
              Dec 2010 Tumour markers normal.
              Mar 2011 Follow-up CT scan - clear.
              Sept 2011 CT and CXR - clear.

              Comment

              • DHLittle
                Registered User
                • Jan 2010
                • 4
                #8
                I managed to get life insurance 14 months after diagnosis (stage 1) at normal rate with no exclusion. Had 3 quotes £100, £110 and £9 per month. Guess which I went with. If you haven't got it sorted PM me and I'll give you more details.
                19/1/10 - Ultrasound Scan: TC Diagnosed, CXR -normal
                20/1/10 - Pre-op Markers AFP 17.8, LDH and bHCG normal
                21/1/10 - CT C/A/P - Normal
                22/1/10 - Left I/O
                25/1/10 - AFP 11.6
                1/2/10 - AFP 7.8
                5/2/10 - Oncology review: Stage 1 (pT1) 2.5x.2.5x.2.5 combined seminoma/nonseminoma with embryonal and yolk sac elements
                **START OF SURVEILLANCE**

                Comment

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