After a protracted hunt for coverage, a cancer survivor finds life insurance.
Jamie Gough, a young parent who was told he had advanced testicular cancer and only a few weeks to live, survived only to encounter closed doors when he went looking for life insurance to safeguard his family. After a protracted search that had left him on the verge of giving up, he grumbled to Crusader that cover was available but at exorbitant costs that he couldn’t afford.
When he was only 23 years old in 2007, four months of innovative chemotherapy treatment saved his life. “It began with a dull backache that I attributed to too many hours sitting at a desk,” he adds. “It had spread by the time I got it checked out, and I had almost 50 tumors.”
When the cancer resurfaced in 2013, he acted quickly and had a little tumor on his kidney removed.
With his wife Emma in remission and their kid on the way, the family set out to buy their first home and ran into roadblocks.
He reveals that while Emma could get cover, Jamie was a no-go.
“That scared me away from receiving quotes.” I’m concerned that more rejections on any record will cause more issues, preventing us from receiving a reasonable mortgage deal.
“The quoted monthly prices aren’t any better than they were before – they’re larger than my entire income.”
Jamie discovered that the fact that he is a nonsmoker with no family history of the disease made no difference.
The refusals poured in thick and fast.
“It appears that when insurers see the word ‘cancer,’ as they did twice in my instance despite the kidney cancer being exceedingly unlikely to return, that’s it. The curtain is drawn back. They don’t look at the facts, therefore they reject your application or instantly raise the price.”
People in difficult health conditions, which are set to become more acute as the repercussions from Covid kicks in, have no choice but to turn to expert brokers.
Jamie’s challenge was accepted by The Insurance Surgery (TIS), which has access to the whole market and arranges coverage for clients with pre-existing medical issues, dangerous employment, or extreme hobbies.
The Exeter, a friendly society insurer owned by its members, made the first offer, which was just about doable for the Goughs, with premiums of £240 a month for a year before decreasing to £39.
Jamie’s situation has now improved as a result of a new medical review from “Brinkwire Summary News.”