If you have received a cancer diagnosis, the last thing you need to deal with is chasing up insurance companies trying to obtain life insurance. Particularly because it can be disheartening if you continually receive knock backs when asking for cover.
During this tough time, you can turn to Special Risk Managers for life insurance advice and we will endeavour to help you find the cover you need. At Special Risk Managers, we are the industry leaders in getting cover for our clients after being diagnosed with cancer.
Cancer Insurance in Australia
In 2010, Cancer claimed the lives of more than 40,000 Australians.
This makes cancer the most lethal disease in Australia today. As many as 50% of men and 33% of women will suffer from one form of cancer in their lifetime. These stats indicate that the likelihood of someone close to you being diagnosed with cancer are quite high.
The emotional and financial burden associated with this can often be devastatingly high.
Due to advances in modern medicine, the survival rates and treatments for cancer have improved drastically over the last 10-20 years.
With Australian’s being more aware than ever of how cancer might present itself, early detection has been pivotal in driving these increased survival rates. Unfortunately, the costs and time off work involved with many cancer treatments can be extremely cumbersome on a family.
Treatments often cost $10’000’s (even after health insurance contributes) and family members could see themselves facing months off work while they care for their loved ones.
Getting Cancer Life Insurance and Trauma Insurance
There are a number of products that have been created with the purpose of providing security and peace of mind for families that might experience a cancer diagnosis.
Trauma insurance (often referred to as Critical Illness Insurance) serves the sole purpose of providing you and your family with a lump sum payout should you be diagnosed with one of a number of serious illnesses. This type of insurance can cover you for diseases. Some examples include but are not limited to:
Breast cancer is an increasingly common form of cancer that largely affects women but can also affect men.
If you require life insurance advice after receiving a breast cancer diagnosis, turn to us to provide assistance. Check out our Breast Cancer page for more information.
Melanoma, also commonly known as skin cancer is where malignant cancer cells are found on the outer layer of a person’s skin. Life insurance advice for those previously diagnosed with a melanoma is commonly needed in Australia due to the reasonably high skin cancer rates prevalent in our country due to our love of being out in the sun.
If you have been or are currently affected by melanoma and are seeking life insurance, we may be able to assist you in obtaining cover.
Often associated with smokers, Lung cancer is another deadly form of cancer affecting the lungs and unfortunately individual affected by this form of cancer do not always have a history of smoking.
If you need insurance after a lung cancer diagnosis, don’t be hesitant to seek cover when we are here to help you find the right policy for you.
Leukaemia affects bone marrow and other blood-forming organs, suppressing the production of normal blood cells.
If you have been affected by this form of cancer, life insurance may be accessible to you.
Cancer in the form of a brain tumour is a serious form of cancer directly affecting the brain.
Even individuals diagnosed with this terrible form of cancer should have the opportunity to access adequate insurance cover. Read out Brain Tumor page for more information about how we may be able to help.
Lymphoma involves cancer of the lymph nodes and is a common form of haematological or blood cancer in Australia.
If you have been affected by this type of illness, we can still offer insurance advice to you and look to obtain you cover on reasonable terms.
At Special Risk Managers, we are the industry leaders when it comes to providing life insurance advice and getting cover for our clients when they would have been declined otherwise. We understand how the varying degrees and types of Cancer might impact you and your insurance application.
We utilise our unique, executive-level relationships to leverage improved service for our clients. We will be able to tell you straight away if you will be eligible for cover as well as what conditions the insurer might wish to include in any policy you take out.
Advisers from all corners of Australia call us and ask us to help them find insurance for their clients. This reinforces just how unique and valuable our offering can be.
If you have ever suffered from any cancer related illness and wish to take out life insurance, disability insurance, trauma insurance or income protection – call us on 1300 66 53 56.