Life Insurance and Income Protection After A Carcinoma

Just because you have suffered from carcinoma, or another type of non-melanoma skin cancer, it doesn’t mean you should be prohibited from protecting your and your family’s future with life insurance cover. At Special Risk Managers, we specialise in finding and obtaining life insurance, income protection insurance, TPD and trauma insurance for those with who have been diagnosed with carcinoma or any other other pre-existing medical condition.

If you’ve been turned down before in your pursuit of quality and affordable cover, we may well be able to help.

By leveraging our established industry connections with leading reinsurance companies, we have established ourselves as experts in obtaining cover for those who might be ineligible otherwise. We are dedicated to helping those considered ‘high-risk’ get the financial protection they deserve.

With Special Risk Managers on your side, carcinoma doesn’t have to hold you back from affordable cover anymore. If you’re living with carcinoma or another type of non-melanoma skin cancer, please fill out the short questionnaire below and we’ll be in touch soon to let you know of your life insurance options. Alternatively, give us a call on 1300 665 356 to talk to one of our advisers about your circumstances.

Carcinoma In Australia

Carcinoma and other forms of non-melanoma skin cancer are the most common cancers in Australia, with more than 434,000 people being treated for one or more forms every year. While most are not life-threatening, a small percentage of patients do die as a result. In 2012, 521 people died of a non-melanoma skin cancer.

Like other types of cancer, carcinomas are abnormal or damaged cells that divide without control. In most cases, it begins in skin cells that are damaged by overexposure to UV radiation from the sun, but it can also start in the cells of the tissue lining organs such as the liver or kidneys.

If diagnosed early, carcinoma can be treated and removed with a variety of methods depending on the type, size and stage of the cancer and where it is located. These methods include biopsy, surgery, chemotherapy, radiotherapy and other treatments such as cryotherapy or cautery (burning).

The majority of carcinoma cancers in Australia are successfully treated.

Although finding the right cover for your condition can be difficult, it’s not impossible. At Special Risk Managers, we’ll help you find your best life insurance options for carcinoma. We’ll explore your different options and find affordable and comprehensive cover according to the severity of your condition. This way, you’re less likely to pay unnecessary premiums and fees.

Call us on 1300 665 356 to get started. We’re experts at helping patients find appropriate life insurance, trauma insurance, total & permanent disability cover, and income protection insurance for special and difficult conditions.

    Insurance Questionnaire

    [anr_nocaptcha g-recaptcha-response]

    I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

    Types of Carcinoma

    There are six common types of carcinoma:

    Basal Cell Carcinoma (BCC)

    BCC is the most common type of cancer, accounting for about 70% of all non-melanoma skin cancers. It begins in the deepest part of the skin’s outer layer, and can appear anywhere on the body but is most commonly seen on areas that are exposed to a lot of sun such as the head, face, neck, shoulders and back.

    Basal cell carcinoma grows slowly and very rarely spreads to other parts of the body. It presents itself as shiny bumps or scars, open sores, red patches or pearly lumps, and you should get treated quickly to avoid scars.

    Squamous Cell Carcinoma (SCC)

    SCC accounts for the other 30% of non-melanoma skin cancers in Australia. It starts in the upper layer of the epidermis and usually develops on areas that have had the most exposure to the sun such as the head, face, ears, neck, hands, forearms and lower legs.

    This type of skin cancer grows quite quickly, and can spread more than basal cell cancers. In rare cases, it can even reach the lymph nodes. Symptoms include rapidly growing lumps, scaly red patches, open sores and tender growths.

    Renal Cell Carcinoma

    Renal cell carcinoma is the most common type of kidney cancer, generally growing as a single tumour in the lining of the kidney. It usually only affects one kidney, but in rare cases, it can develop in both.

    There are often no symptoms in the early stages of renal cell carcinoma. Most patients discover it after they have had an ultrasound or CT scan for a different reason, and sometimes it is only detected after it has grown and spread to other organs.

    Ductal Carcinoma In Situ (DCIS)

    DCIS is a pre-cancerous condition found in the cells in the milk ducts of the breast. It’s a non-invasive breast cancer which has not fully developed or spread into surrounding areas.

    The aim of treating DCIS is to prevent invasive breast cancer from developing and spreading into the breast tissue. DCIS can be treated successfully and most women diagnosed and treated for the condition will not develop invasive breast cancer in the future.

    Invasive Ductal Carcinoma (IDC)

    While DCIS refers to cancer contained in the milk duct that hasn’t spread to other areas, invasive ductal carcinoma is a type of breast cancer that began in the duct and has invaded the surrounding tissue. If not treated early, IDC can also spread to other parts of the body through the bloodstream and lymph system.

    IDC is usually discovered with a mammogram or during a breast self-exam. Treatment is either local such as surgery or radiation therapy to treat the tumour and surrounding areas, or systematic such as chemotherapy or hormonal therapy to destroy cancer cells throughout the whole body and reduce the risk of them returning.


    This type of carcinoma develops in glandular cells which are found in different organs in your body and are responsible for making and releasing mucus, digestive juices and other fluids into your body. It can occur in many different places in your body, including the lungs, prostate, pancreas, oesophagus and colon.

    Treatment for adenocarcinoma varies depending on where it is found in the body, but can include surgery, radiation therapy and chemotherapy.

    Your Life Insurance Options With Carcinoma

    If you’ve been diagnosed with carcinoma, you’ll be happy to know that quality, affordable life insurance is still possible. While the application process will be more lengthy and complex, if you go to the right providers and disclose all the necessary information about your condition, your chance of approval will be quite high.

    Insurance providers will typically want to know the following information about your diagnosis:

    • The date you were first diagnosed
    • The type of cancer that was diagnosed
    • The stage and grade of the cancer
    • The size of the tumour
    • If lymph nodes were involved
    • Treatment
    • If you have had any relapses
    • If you are in remission
    • Any medications you are taking

    Low-risk cancers like non-melanoma skin cancers and DCIS could result in a standard rating while other cancers are likely to incur higher premiums. However, if you can show that you are treating your condition, you should be able to reduce your premiums after some time.

    Affordable Life Insurance Is Possible With Carcinoma

    At Special Risk Managers, we’re here to help.

    As experts in the field of life insurance, income protection insurance, trauma insurance and TPD insurance for those with carcinoma and other pre-existing medical conditions, we are the experts in identifying suitable life insurance options after your carcinoma diagnosis as well as assist you with your application to give you the best chance of a favourable outcome.

    We’ll help you compare your options, decide on the most suitable cover for your needs, and apply. With our support, you can secure the cover you need today. Contact us now to get started.