Cancer is used to describe a group of diseases in which abnormal cells divide without control and invade other tissues.
These cells spread to other parts of the body through the blood and lymph systems.
Cancer can be categorised depending on the organ or type of cell in which the cancer starts growing as follows:

Carcinoma: cancer that starts in the skin or tissues that line or cover internal organs.

Sarcoma: cancer that starts in the bone, cartilage, fat, muscle, blood vessels or other connective or supportive tissue.

Leukaemia: cancer that starts in the blood forming tissue such as bone.

Lymphoma & myeloma: cancers that start in the immune system.

What information should my client provide?

- Date all treatment was completed.
- Whether there has been any recurrence or spread
- Types of treatment recieved.

Facts:

By 2020, 1 in 2 of us will be getting cancer in our lifetime

Source: www.cancer.ie

Potential Underwriting Outcomes:

We will only be able to consider terms for cancer if:

• All tests, investigations and treatment including chemotherapy, radiotherapy or surgery have been completed.
• We will not be able to consider terms if:
  There has been a recurrence of the cancer.
  There has been spread of the cancer to other parts of the body.

Quick Jump:

• Breast Cancer
• Testicular Cancer
• Prostate Cancer
• Skin Cancer
• Bowel / Colon Cancer
• Hodgkin's / Non Hodgkin's Lymphoma
• Bladder Cancer

Breast Cancer

Breast cancer occurs when cells in the breast grow in an abnormal way.
There are two main types of breast cancer - ductal carcinoma in situ (DCIS) and invasive breast cancer.

Facts:

Breast cancer is the second most common cancer in women in Ireland. Breast cancer affects 3,000 women and 20 men in Ireland annually.

Source: www.cancer.ie

Likely Underwriting Acceptance:

Please note a targeted GP report will be required to consider any terms

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
DCIS	Normal Rates	Normal Rates	Normal Rates	Normal Rates
Invasive Breast Cancer	Terms may be available in some select cases once treatment has finished. Generally we will only consider terms three years after treatment has ceased.	Usually Decline in certain cases we may be able to offer cover with a breast cancer exclusion	Terms may be available once treatment has finished.	Terms may be available once treatment has finished.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

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Testicular Cancer

There are two main types of testicular cancer - seminoma and non-seminoma.
Non seminomas tend to grow and spread faster than seminomas.

Facts:

Testicular cancer is the most common found in young men age 15 - 34 years.
Each year 164 men are diagnosed with testicular cancer in Ireland.

Source: www.cancer.ie

Likely Underwriting acceptance:

Please note a targeted GP report will be required to consider any terms

Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Terms may be available at an increased premium. In some cases there may be an initial postponement period	Terms may be available after an initial three year postponement period. Terms may be available with an increased premium and testicular cancer exclusion.	Terms may be available at an increased premium. In some cases there may be an initial postponement period.	Terms may be available at an increased premium. In some cases there may be an initial postponement period

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

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Prostate Cancer

Prostate cancer generally occurs in men over age 50. The risk of developing this cancer increases with age.

Facts:

Prostate cancer is the second most common cancer in men. Each year over 3,300 men are diagnosed with prostate cancer.
1 in 7 men will be diagnosed with prostate cancer during their lifetime. Although there are many men with this disease, most men do not die from it.

Source: www.cancer.ie

Likely Underwriting acceptance:

Please note a targeted GP report will be required to consider any terms

Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Terms may be available at an increased premium. In some cases there may be an initial postponement period.	Decline	Terms may be available at an increased premium. In some cases there may be an initial postponement period.	Terms may be available at an increased premium. In some cases there may be an initial postponement period

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

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Skin Cancer

There are a number of different types of skin cancer including basal cell carcinoma, squamous cell carcinoma and melanoma.

Facts:

Skin cancer is the most common cancer in Ireland. In 2013 there were 9,791 skin cancers and 984 melanoma cases in Ireland. The numbers are rising each year.

Source: www.cancer.ie

Likely Underwriting acceptance:

Please note a targeted GP report will be required to consider any terms.

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Single Basal and Squamous Cell Carcinomas	Normal Rates	Normal Rates	Normal Rates	Normal Rates
Multiple Basal and Squamous Cell Carcinomas	Normal Rates	Exclude Skin Cancer	Exclude Skin Cancer	Exclude Skin Cancer
Melanoma	Terms may be available at an increased premium. In some cases there may be an initial postponement period	Terms may be available at an increased premium. In some cases there may be an initial postponement period	Terms may be available at an increased premium. In some cases there may be an initial postponement period	Terms may be available at an increased premium. In some cases there may be an initial postponement period

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

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Bowel / Colon Cancer

Bowel cancer is also known as colorectal cancer or cancer of the colon and / or rectum.
Most bowel cancers occur in the large bowel

Facts:

Almost 2,500 people in Ireland are diagnosed with bowel cancer each year. It is the second most common cause of cancer death in Ireland.

Source: www.cancer.ie

Likely Underwriting acceptance:

Please note a targeted GP report will be required to consider any terms.

Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Terms may be available at an increased premium. In some cases there may be an initial postponement period.	Decline	Terms may be available at an increased premium. In some cases there may be an initial postponement period.	Terms may be available at an increased premium. In some cases there may be an initial postponement period

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

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Hodgkin's / Non Hodgkin's Lymphoma

Hodgkin's Lymphoma is a cancer of the lymphatic system. Lymphoma cells grow in the lymph glands (nodes).
It can start in any part of the body, the most common site being the neck, armpit or chest. It can also start in any organ i.e. liver, stomach or bowel.
There are two types Hodgkin's and non Hodgkin's Lymphoma.

Facts:

Hodgkin lymphoma is more common in men than women. It can occur at any age, but it is more common in young people between the ages of 15 and 30 years.

Source: www.cancer.ie

Likely Underwriting acceptance:

Please note a targeted GP report will be required to consider any terms.

Life Cover	Specified Illness Cover	Income Protection	Bill Cover
There will be an initial postponement period of at least one year. Terms may be available at an increased premium thereafter.	Decline	Terms may be available at an increased premium. In some cases there may be an initial postponement period.	Terms may be available at an increased premium. In some cases there may be an initial postponement period.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

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Bladder Cancer

Bladder cancer affects the urinary system and can affect how the bladder works.

Facts:

Most bladder cancers occur in men and women over the age of 50.
Smoking is the biggest risk factor for bladder cancer. The chemicals in cigarettes damage the lining of the bladder, causing cancer.

Source: www.cancer.ie

Likely Underwriting Acceptance:

Please note a targeted GP report will be required to consider any terms

Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Terms may be available at an increased premium. In some cases there may be an initial postponement period	Decline	Terms may be available at an increased premium. In some cases there may be an initial postponement period.	Terms may be available at an increased premium. In some cases there may be an initial postponement period.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

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