Jane and skin cancer - What advisers need to know

JANE CAUGHT HER NON-MELANOMA
SKIN CANCER TOO EARLY
FOR HER POLICY TO PAY OUT

Fortunately, Jane’s skin cancer was caught early so her Consultant thinks the tumour on her back can be removed. But…

Jane’s critical illness policy won’t pay out. Apparently, early stage skin cancer is not covered.

However, given that she needs surgery and there’s a small chance the cancer might spread, it still feels critical to Jane.

Jane is not alone

147,000

new cases of non-melanoma skin cancer are diagnosed each year in the UK

Source: www.nhs.uk, January 2020

THAT’S WHY, AT GUARDIAN, WE DO THINGS DIFFERENTLY

While other providers won't pay out for low-risk non-melanoma skin cancers, we’ll pay out 10% of the sum assured up to a maximum of £50,000. We'll also pay out 25% of the sum assured up to a maximum of £50,000 for high-risk non-melanoma skin cancers. This makes us the only provider that will pay out on all malignant cancers.

What’s more, if the skin cancer reoccurs and develops to meet our definition for a full pay out, we’ll make a further payment of the full sum assured.

So, don’t recommend the critical illness cover the portals put first.
Recommend the critical illness cover that puts your client first.

To view our Critical Illness Protection definitions in detail, visit our main website.