Life Insurance and Income Protection After Cancer

Cancer is a scary word and a scarier illness. According to Cancer Australia, a government initiative, the risk of developing cancer by the age of 85 is 1 in 2. The most common types of cancer in Australia are breast cancer, prostate cancer, melanoma and cancer of the colon. Although the incidence of cancer has increased substantially over the last decade, mortality rates have fallen. Cancer awareness, screening, detection and treatment have all improved significantly. This has resulted in many insurance companies having to change their attitudes to the perceived risk a cancer survivor presents.

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How can I get life insurance or income protection after recovering from cancer?

Getting in touch with Curo is great place to start. We have an excellent track record of being able to secure cover for those who have successfully overcome cancer. Whether it be breast cancer, prostate cancer or another form of cancer, we are able to able to assess your case and explain your options to you.

There are various types of cancers and multiple stages/gradings associated with each type. Moreover, there are different types of insurances with each type offering protection suited to different purposes.

Having helped many cancer survivors in the past, we know exactly what will be needed to best position you and your situation in the eyes of the insurer.

How will Curo Financial Services help me?

Our expert advisers have extensive experience in obtaining quality life insurance and income protection for pre-existing cancer conditions and provide you with the following guidance:

Information

We will provide you with information regarding the various types of covers available and what will be considered when you apply for the insurance.

Some of the things we will need to know before giving you and indication of whether life insurance or income protection will be available include:

Do you have a family history of cancer?
What treatment did you undergo and how long were you being treated for?
How long have been in remission?
Have you had multiple occurrences of this cancer or suffered from any other form of cancer?
We will need to see as many medical reports as possible as well as have an in depth understanding of your medical history.

Expert Advice

We can provide you advice on what is the best strategy and guide you as to the most appropriate levels of cover for you and your loved ones. Our sole interest is to make sure that you get appropriately covered.

Paperwork

We will do the paperwork with you so that you can rest in ease. Our experts know what documentation is required and how to make the process as streamlined as possible. We work diligently to ensure that we present all of the reports and test results that will ensure you receive the most appropriate assessment.

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Types of Cancer

Below are some of the more common types of cancer we see amongst survivors:

Breast Cancer

Breast cancer is one of the most common causes of cancer in women. With an increasing number of younger women suffering from breast cancer, there is greater awareness than ever before.

We will need to view histopathology results as well as corresponding medical reports before being able to take our assessment further.

Melanoma

The most dangerous type of skin cancer, melanoma is a common occurrence in Australia due to prolonged sun exposure. Melanoma occurs when the pigment cells in the skin become cancerous. It is often first noticed as dark patches on the skin become visible and often occur on the face, neck, legs, back and chest.

There are different forms of melanoma and various stages that determine the severity of the disease and therefore the likelihood of receiving insurance. We will need to view histopathology results as well as corresponding medical reports before being able to take our assessment further.

Prostate Cancer

Prostate cancer is one of the most common cancers that men suffer from. However, if treated appropriately and detected quickly, it has a high survival rate. The crucial measurement that insurers look for when assessing prostate cancer is the PSA reading. We will need to see a current PSA test result before being able to assess this further.

Brain Tumour

Brain tumours can be benign or malignant. Though it is easier to get insurance for benign tumours, it is extremely difficult to obtain cover after having any form of cancerous brain tumour. Moreover, the type of treatment you have undergone will have an impact of the availability of insurance after recovering from a brain tumour.

Lymphoma

Lymphoma is a cancer that affects your white blood cells and usually occurs in young adults. With varying levels of severity, we will need comprehensive details relating to the cancer as well as the treatment you have had before being able to give an indication of the life insurance or income protection that is available to you.

Our claims testimonials

Excellent

Curo Financial Services

Based on 11 reviews

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Cherie Haig

It has been my pleasure to deal with Brent and his team over the years I have been their client. All queries have been explained promptly, intricacies of policies and decisions I contemplated explained, and the level of service Brent has provided exceeds 5 stars.

Jen W

Brent from Curo Financial Services has exceeded our expectations and has been a pleasure to deal with. Brent is professional, trustworthy and provides excellent service that goes above and beyond. Brent is compassionate, kind, and caring. Brent has always had our best interest at heart and really takes the time to ensure you feel supported. Brent has made the process of dealing with insurance easy and has made it a positive experience. Brent is a pleasure to work with.

Justin Fitzgerald

We dealt with Brent and he was an absolute pleasure to work with. He supported us in a very caring compassionate way at a time where we were very stressed.
Brent went above and beyond and his customer service was impeccable.
Thankyou for making a difficult time seem not so difficult.

Vicki Taylor

Thank you Curo Financial Services for providing me with friendly, professional services, I am very grateful especially to Behram Ali. Would highly recommend their professional services.

Mark Crimmins

It is my absolute pleasure being able to write this glowing review about Brent and his team.
Brent and I have known each other for many years with Brent advising me where needed on my income protection policy. Throughout that time Brent has been very thorough in keeping me updated with any changes within the industry and how that may affect my extremely important policy.
Life takes some interesting twists and turns and it just so happens that I unfortunately needed to call on the benefits on my amazing policy.
Brent was right there when you needed him the most, guiding me through the entire process and following through with everything he had advised me on in the past.
I can’t thank Brent enough for being by my side offering genuine Compassion and knowledge when needed.
Thanks for everything Brent. You are a true credit to yourself, the company and your family.
Warmest regards
Mark

Herman Bothma

Curo Financial Service have given me out standing customers service over the years. Brent have great knowledge to what product would be the best suited for my level of cover and great advice over the years.

From the day I took out my life insurance cover and Income protection Brent was there to answer any questions I had and
when I was diagnosed with pancreatic cancer years later Brent made the Claim process easy with good communication clarity with what’s information is needed a piece of mind in a uncertain time for me but not only where he professional through out the process he showed support empathy, kindness and a level of care that’s hard to find these days.

I would Recommend Brent and Curo financial Services without any hesitation. I am sure they would look after you too!

Paul Michael Jamieson

We have been dealing with Brent from Curo Financial Services for a while now and have found them extremely helpful and always acted in our best intrest
So I would have no hesitation to recommend them to anyone
Paul

Jocelyn Jamieson

Have dealt with this firm for many years and always received fantastic service. Would highly recommend. Nothing is too much trouble for Brent. He goes out of his way to assist.

Ari Mitchell

I recently had the pleasure of working with Brent from Curo, and I cannot express enough how exceptional my experience was. From the moment I reached out for assistance, Brent demonstrated an unparalleled level of subject matter expertise and a dedication to providing outstanding customer service.

Brent's knowledge and proficiency in their field were immediately apparent. They patiently listened to my concerns and questions, providing thorough and clear explanations that made even the most complex concepts easy to understand. What truly set Brent apart was their willingness to go above and beyond to ensure I had all the information I needed. Their expertise was not just impressive but invaluable.

Additionally, the customer service I received from Brent was nothing short of outstanding. They were not only professional and efficient but also genuinely friendly and approachable. Brent took the time to address all my queries, no matter how big or small, and made me feel valued as a customer. Their patience and willingness to assist left a lasting impression on me.

I am truly grateful to have had the opportunity to work with Brent at Curo. Their expertise and dedication to providing exceptional customer service are a testament to their commitment to excellence. I would highly recommend Brent to anyone seeking top-notch assistance and support. Thank you, Brent, for your outstanding service – you have definitely earned a loyal customer in me!

Vivien Reed

I found service received from Curo Financial Services professional and stress free.Communication was easy with regular updates. A positive outcome was achieved to an insurance claim. Highly recommended.

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General Advice Disclaimer

General advice warning: The advice provided is general advice only and in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.

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