Personal insurance is usually needed when you take out a mortgage on a house. Survivors are sometimes refused insurance cover or are only offered cover under special conditions. This may involve paying a higher premium. The type of treatment you had and how long ago it was may affect the decisions. Every case is looked at individually.
Will I be able to own my own house?
There are no absolute bars to any type of insurance, including critical illness cover, and no survivor should ever be declined without a full medical report. This is often more helpful if it is provided by the doctor you see at the hospital. It may be beneficial to include your hospital doctor’s details with your application, as well as those of your GP.
You should approach large insurance companies because they are more likely to have dealt with cases like yours in the past or you may wish to contact an Independent Financial Advisor (IFA). IFAs can contact several life insurance or mortgage lenders on your behalf and offer independent advice on which companies offer the best terms for your situation. However, they may charge a fee or take commission when a policy or mortgage is arranged.
Discuss with an insurance underwriter and ask them for advice on how they might be able to offer and arrange insurance, rather than focusing on whether you will be eligible for insurance.
Since beating cancer I have felt empowered and energized by life and I have had some amazing opportunities come my way. I have recently bought my first house with my boyfriend and our gorgeous pet greyhound. Life has never been better!Lizzie