Cancer Insurance Cover
Life Insurance and Critical Illness Insurance. Cancer Tests To Increase Women's Premiums
Ladies, if your mother or any other female blood-line relatives have a history of breast or ovarian cancer then from next year onwards, you could face higher insurance premiums. You could even be refused cover altogether.
When these women apply for life and critical illness cover, the insurance industry wants to ask them whether they have been tested for the gene mutations BRCA1 or BRCA2. These are the gene complications that increase the chances of them developing these cancers. But before the insurance companies can ask these questions on their application forms, they must get approval from the Genetics and Insurance Committee, the body that advises the Government on these and similar issues.
In the coming months the Association of British Insurers (ABI) will be requesting the Committee for authority to ask women whether they have been tested positive for BRCA1 or BRCA2 gene mutations. These are the mutations that are present in 1 in 10 of newly diagnosed cases of ovarian cancer and 1 in 20 of new cases of breast cancer. Approximately 1 in 850 women in Britain inherit a faulty BRCA1 gene and of those, 14 – 18% will develop breast cancer during in their lives.
On the web site for the Genetics and Insurance Committee we found a notice saying, ” The Committee expects that the Association of British Insurers will submit in late 2006/2007 four revised and updated applications for the use of adverse results from the predictive genetic tests of the BRCA1 and BRCA2 genes (breast/ovarian cancer) in helping to determine insurance premiums for life and critical illness insurance”.
So far, application forms issued by British insurance companies are only allowed to ask for the results of predictive tests for Huntington's disease. Even then, the question can only be asked when the application is for more than £500,000 of life insurance cover or mote than £300,000 for critical illness insurance or over £30,000 for payment protection insurance. This rule is set under an agreement entered into by the insurance industry which is due to expire in 2011 but the Chairman of the ABI's Genetics Working Party, Harpal Karlcut, is reported in the trade insurance magazine “Cover”, as saying: -
“We are looking to get approval for the breast cancer test by the end of the year”, adding, “The two breast cancers are the next conditions that we will look at but after that we don't see the need to look at other conditions. We do keep an eye out for what diseases may come up in the future but there is nothing else on the horizon”. We add another important rider – yet!
Express specialise in life insurance quotations but also offer both critical illness cover and life assurance policies.
Cancer Insurance Cover
Breast cancer symptoms
Breast cancer is the most common form of cancer in women, and one of the most common types of cancer in general. It is estimated that one in seven women that live to age 90 will develop breast cancer. It is especially prevalent in some families, making the statistics a bit skewed. If you have a family history of breast cancer, your chances of developing the disease are much greater. It’s therefore a good idea to stay especially vigilant for breast cancer symptoms.Breast cancer symptoms don’t often manifest themselves until the cancer is already in its later stages of growth, and may have already metastasized to other more vital areas of the body. That is why it is so important for women to regularly get checked. Mammograms may be unpleasant, but late stage breast cancer symptoms are worse.
The most clear and common breast cancer symptom is of course a lump in your breast. It is important to keep in mind that not all lumps are cancerous. Most women will develop numerous lumps in their breasts throughout their lives; they are especially common during periods of rapid hormonal changes such as puberty, and menstruation. Some women will have more lumps than others.
A more severe breast cancer symptom will be pain in your breasts. A cancer that has grown large enough to impinge on nerves will be a noticeable lump in a self check or mammogram, so hopefully you’ll catch anything before it gets to the point of causing pain. If one or both of your breasts are in pain, again its important to keep in mind that you don’t necessarily have breast cancer. During puberty and periods of hormone fluxes, tenderness of the breasts is common. Also pregnancy, and some medications can cause pain or tenderness in your breasts.
Even though most cases of breast cancer are diagnosed in women over 40, women in their teens and twenties are occasionally diagnosed as well. Most people don’t know that about one percent of the cases are in men. Starting from puberty, it is a good idea to start checking yourself for lumps. Remember, during this period you’re likely to find a lot of lumps that are harmless. With some experience and some consultation with your doctor, you’ll soon get an idea of the kinds of lumps that are normal, and the kinds of lumps that may be breast cancer symptoms.
The Current Average Funeral Costs £2,200.
The reality is that funerals are one of those things that nobody wants to prepare for and as a result put little or no financial provision aside for it. This means that should the worst happen, family and friends would be the ones left to pay the bill, and the current average funeral costs over £2,200.
