September 17, 2019
Can I get Income protection after an abnormal smear test?

Can I get Income protection after an abnormal smear test?

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Our client

Mrs K approached Future Proof as she looking to protect her income, should she fall ill and become unable to work. Having previously been declined by two insurers she found us via a search engine after reading one of our health blogs. She had been declined for cover due to an abnormal smear test one year prior to applying.

Mrs K wanted cover which would provide a benefit of £1800 per month. With a limited payout period of one year, the monthly premium of £29.73 was quoted. She chose a two-month deferred period – this is the length of time from when you become unable to work and the claim money being paid. The longer the deferred period the cheaper the premium is because the risk is reduced. Plus most people feel well enough to work within a short period of time. She was also looking to secure a joint life policy for herself and her partner to cover their outstanding mortgage. The sum assured was £275,000, over a term of 35 years and they chose a decreasing term policy, where the sum assured reduces monthly for a guaranteed monthly premium of £27.18.

How can I insure my income?

Income Protection Insurance helps to protect your income if you are unable to work as the result of an accident or sickness. It pays out a monthly benefit which can be used to replace income to pay monthly bills, rent or a mortgage for example.
The cover could provide you with a tax-free income and could continue to pay out until you are able to return to work or until you retire.

*The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

Our research and advice

We spoke to several insurance providers and one stood out as being more sympathetic than the others. The pre-underwriting that we carry out allows us to gauge the best possible outcome for our clients. So that we can give a more accurate prediction of the underwriting decision. And, our clients don’t have to go through multiple applications with different insurers, meaning we only apply to the most sympathetic in the first instance.

Having spoken to one underwriter, we were told that the outcome would hinge on what the initial abnormality was diagnosed as. Therefore they asked for a questionnaire to be completed by her GP. We were informed that an exclusion of cervical cancer would then be likely. As predicted, three insurance providers that we contacted told us that they would postpone her application for a number of months until she could re-apply.


Our client told us that she had had a routine smear in July 2018 which came back as abnormal. She had a biopsy in August 2018, however, no treatment was recommended. A follow-up smear in February 2019 confirmed it as inflammation. Which the questionnaire from her GP confirmed.

As a result of the further information being requested, the insurer offered Mrs K standard terms with no cervical cancer exclusion. Immediate cover and a premium which had not been increased from our initial quote. Mrs K was relieved that she now has the cover she never thought she could get at a competitive premium.

Please note that the premiums provided are indicative only and are based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

Getting expert advice is essential

We have a wealth of insurance and medical knowledge. Once we have a good understanding of your requirements and medical history we will start the research process.

This involves us contacting many, and in some cases all, of the UK’s leading insurers to discuss your requirements. The purpose of this is to establish how they might treat an application.

Will they add a ‘loading’ to the premium (this is an additional amount on top of the standard monthly premium to reflect their additional risk)?

Would an insurer exclude certain conditions?

Will they decline an application? We want to avoid wasting your time and ours by making applications which might be declined.

For help and advice – Call 0800 644 4468

Office hours – Mon – Thurs 09.00 to 19.00 and Fri 09.00 to 17.00

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Interested in related stories?

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Why you can trust Future Proof.

Next steps

Whilst you are welcome to get a quote online we would recommend you talk to one of our advisers.

Any quote we provide you with will take into account to your circumstances, your medical history, as well as your budget!

An online quote is just that – a quote – it isn’t a definite offer of cover.
What really matters is the premium you are offered, after your application has been assessed.

Call 0800 644 4468 for help and advice

Please feel free to read our Independent client reviews, or read about the team at Future Proof

Please complete this short form if you’d like us to call you back at a convenient time.

Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer from a medical condition and concerned you can’t secure Life
Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to

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The existence of a link to another website does not imply or express
endorsement of its provider, products or services by us or St. James’s Place.

Client ID: 140539534