Can you get life insurance after testicular cancer?

Yes, it could be possible to secure life insurance cover after recovering from testicular cancer.

While a history of cancer will influence your premium costs and eligibility, it may not mean you won't be able to secure form of cover.

In males in the UK, testicular cancer is the 17th most common cancer, with around 2,400 new cases every year[1].

Being common and with a high survival rate, insurers recognise this and can often offer cover suited to the cancer survivors needs.

Exploring the market and comparing various options is crucial to finding the best policy for you. Reassured can assist you in exploring a range of choices free of charge.

If you're seeking the right life insurance after surviving cancer, Reassured has also written a comprehensive guide on ‘life insurance after cancer' that offers a wealth of information to help you.

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Summary:

  • According to Cancer Research, testicular cancer in the UK has a 91% survival rate
  • Life insurance after testicular cancer could be possible, although eligibility and premiums can vary
  • Insurers will evaluate risk by a variety of factors including cancer stages, treatment types and remission timings
  • Having life insurance can safeguard your loved one’s futures and offer peace of mind
  • If you currently still have or are recovering from testicular cancer, traditional life insurance may not be available. However, you may have the option of over 50s life insurance which offers guaranteed acceptance if you’re a UK resident aged 50 - 85

Does a history of testicular cancer affect life insurance?

Yes, if you have previously been diagnosed with testicular cancer, there is a high possibility that it may affect your life insurance premiums or eligibility.

Insurance companies might provide higher premiums or different terms based on your past cancer diagnosis. However, since testicular cancer has a high survival rate, this might not be a significant concern if you’ve been in remission for a number of years.

Key factors about your testicular cancer that may affect cost and eligibility can be surrounding when you were diagnosed, if you had treatment and how severe your cancer was.

Every application is considered uniquely as everyone’s circumstances are different, therefore it’s important to review a variety of insurers to decide what option works best for you.

The only case in which your medical history doesn’t affect your application is when taking out an over 50s policy.

Do I need to tell my insurer about my previous testicular cancer?

Yes, it’s essential that you inform your insurer of any previous cancer diagnosis or medical conditions in the application.

Unless you are applying for an over 50s life insurance policy, all other policies require information including your medical history to determine the level of risk it is to insure you.

Being open and honest with your insurer during the application is vital as if you miss anything out or fail to answer honestly, it could risk your loved ones not receiving a payout due to non-disclosure.

When applying you’ll be asked a series of questions about your health, lifestyle and occupation to ensure that you’re provided with an accurate quote based on your circumstances.

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Life insurance after testicular cancer: Customer case studies

In the tables below we’ve provided some real-life examples of where customers with a history of testicular cancer have obtained affordable cover through Reassured.

Case study 1

This customer was a 35 year old non-smoker. They secured £250,000 of cover from Aviva for £16.73 a month:

Details of applicantMr K. Barnett
(Born in 1989 / Non-smoker)
Testicular cancer detailsStage 1, under follow up for the next few years. No more treatment needed. 17th July was last treatment. DVT side effect of cancer, customer takes anticoagulants for it. Only had one DVT.
Reason for coverFamily & mortgage
Policy detailsSum assured: £250,000
Policy type: Level term
Term length: 30 years
Provider: Aviva
Monthly premium£16.73 a month

Case study 2

This customer was a 41 year old non-smoker. They secured £100,000 of cover from LV= for £22.86 a month:

Details of applicantMr F. Grey
(Born in 1983 / Non-smoker)
Testicular cancer detailsIn remission for 6 years, last follow-up end of May 2024.
Reason for coverFamily
Policy detailsSum assured: £100,000
Policy type: Level term
Term length: 30 years
Provider: LV=
Monthly premium£22.86 a month

Please note customer names have been changed

Best life insurance for testicular cancer survivors

There isn’t necessarily a best life insurance for those who have survived testicular cancer - the right option for you is down to your personal circumstances and needs.

Depending on your level of risk, some policies may be easier to secure than others. Below we have listed the most popular forms of life insurance:

Over 50s life insurance

Guaranteed acceptance for UK residents aged between 50 - 85, providing a guaranteed fixed lump sum pay out and cover that will last for the rest of your life (after a 12 or 24 month waiting period).

This is a perfect option for those within the specified age bracket who have struggled to secure standard types of life insurance as no medical questions are asked in the application.

Level term life insurance

A policy that lasts for a set term (up to 40 years) that has fixed monthly premiums and provides a fixed lump sum payout if you pass away during the term. Medical questions are asked in the application.

An excellent choice for those looking to cover an interest-based mortgage and/or future family living costs.

Decreasing term life insurance

A policy that lasts for a set term (up to 40 years) that has fixed monthly premiums and provides a lump sum which decreases over time, which will only be paid out if you pass away in the term. Medical questions are asked in the application.

A great option for those looking to cover a repayment mortgage or for an affordable policy.

Whole of life insurance

A more expensive option, although it pays out when you pass away, not if. Medical questions are asked in the application, although the desired maximum payout amount can be higher than an over 50s policy (up to £1,000,000).

Some insurers include terminal illness cover as standard or offer the option to add critical illness cover at an additional cost.

Reassured can compare the policies above and help you find the right policy for your needs. Simply get in touch today and begin your life insurance journey.

How long after testicular cancer can I apply for life insurance?

The time between being fully clear from cancer to being accepted for a life insurance policy may vary between insurers, although it is typically 2 - 3 years (or in some cases 5 - 10).

This can be dependent on your health and specifics of your own case. Insurers will evaluate a variety of factors.

Typically, the longer you’ve been in remission, the better your chances of obtaining cover and the more affordable it may be.

If you apply too early following a diagnosis or while still receiving treatment, then your application may be postponed or declined.

Reassured offer a specialist service from our impaired life insurance team who can help those who have previously been declined.

What will I be asked in the application?

When applying for life insurance, you’ll be asked about a variety of factors so insurers can determine your level of risk and calculate the cost of your monthly premium.

You’ll be asked about:

  • Age
  • BMI (weight)
  • Smoking status
  • Medical history
  • Health / wellbeing
  • Occupation & lifestyle
  • Sum assured

You’ll also be asked further questions regarding your cancer diagnosis so the insurer can gain a better understanding of your medical history. You may be asked:

  • When were you diagnosed?
  • When was your last treatment?
  • What treatment you had & for how long?
  • What stage cancer were you at?
  • How long have you been fully clear?

Your premiums might be higher because of the risk factor, or your application could be delayed until you complete the recovery period of at least 1 or 2 years (depending on the insurer).

Why do I need life insurance after surviving testicular cancer?

Having a life insurance policy in place can offer financial security to your loved ones if the worst were to happen to you.

A claim can be made if you pass away while your policy is active, so that your beneficiaries receive a lump sum payout.

The pay out from a life insurance claim can help cover:

  • Funeral costs
  • Mortgage / rent payments
  • Household bills
  • Outstanding debts
  • A small inheritance

Everyone’s circumstances are different and your policy can be personalised to help protect what matters most to you.

Our life insurance calculator can help you consider what you’d like to help protect and how much cover you may need.

Life Insurance Calculator

Calculate how much life insurance you may need by filling in the costs you’d like your policy to cover.

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£137,934 is the estimated mortgage debt per household in the UK.

The purchase of a home is likely to be the largest financial commitment any of us will make in our lifetime. Your life insurance should cover your remaining mortgage balance to allow your loved ones to stay in the family home should anything happen to you.

Source: Moneynerd.co.uk
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The average monthly household budget in the UK is £2,548 (that’s £30,576 per year), which is spent on transport, food & drink, utilities (gas, electricity, water etc), clothing, council tax and leisure activities.

With energy prices hitting a record high and the cost of living rising sharply in the UK, you may wish to factor in utility bills and family living expenses into your cover.

Source: Nimblefins.co.uk
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The average personal debt of UK adults has risen to £34,566 (not including mortgage debt), with credit cards, personal loans and overdrafts being the most common forms of debt.

Factoring in any debts into your life insurance cover means that, if they need to be paid back from your estate after your passing, your loved ones won’t miss out financially.

Source: Money.co.uk
£
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According to SunLife, the average cost of a funeral in the UK is £3,953 (with the overall cost of dying at £9,200).

Funeral costs have increased by 116% since 2004 and are a significant cost which should be factored into the amount of life insurance you secure.

Source: SunLife.co.uk
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When factoring in cover for your children, you may wish to calculate the amount based on how long it is until they reach financial independence.

This could include childcare (£7,000 per year for part-time care), school expenses (£1,519 per school year for uniforms, lunches, stationary etc), as well as an additional sum for further education (this could be a contribution of up to £5,000 per year).

Sources: Daynurseries.co.uk, Primarytimes.co.uk & Savethestudent.org
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2 in 5 adults say they are relying on an inheritance to fund their retirement.

Factoring in an inheritance to your sum assured could allow loved ones to live a more financially comfortable life. Alternatively, you could leave a cash gift to a charity of your choosing.

Source: Moneyage.co.uk
£
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If you’re lucky enough to have your own savings or are part of the 30% of UK residents who already have a life insurance policy in place, this can provide financial protection for loved ones.

By entering your current cover, savings or death in service amount you can reduce the sum assured you require.

Source: Scottishbusinessnews.net
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Testicular cancer advice and support UK

If you’re living with testicular cancer, are currently recovering or have been affected, there are a range of charities and helplines that can offer support and information surrounding the condition.

Some of these include:

Getting life insurance after testicular cancer

Securing life insurance after surviving testicular cancer may seem to be challenging, when in reality it could be possible and potentially worthwhile.

Life insurance can offer you and your loved ones peace of mind that their future is financially safeguarded.

By exploring options and different insurers through Reassured, you could find a policy that meets your personal needs and budget.

Reassured can help you throughout the entire application process and help compare competitive quotes.

Why not get in touch today to secure the right policy for you. For further assistance on your personal circumstances, why not get in contact with our specialist impaired risk team?

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Sources:

[1] https://www.cancerresearchuk.org/health-professional/cancer-statistics/statistics-by-cancer-type/testicular-cancer

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