Life assurance problems...

Hello everybody,

I wonder if I could run something by you? I was diagnosed with stage 2B cervical cancer in March 2003. I underwent extensive treatment and, I am delighted to say that, after five years of regular checks by the Beatson in Glasgow, I was discharged from their list in March this year.

My consultant's parting words were "you should now be free from any expensive insurance premiums - in the eyes of insurers you are now low risk."

After buying a new house in June, I asked my IFA to arrange a life assurance policy for me; she quoted a monthly premium of £12. However, after applying (to Friends Provident) and getting various medical declarations signed, they have come back to me saying that they will only offer me cover at an increased premium of £39/month for the next four years, and thereafter it will revert back to £12/month.

This doesn't seem fair to me. I saw the medical reports that were sent to FP, and there was nothing to suggest that I have any ongoing issues or concerns. I asked my IFA to make further enquiries around this, but, after speaking to the underwriter, she came back to me and said it was non-negotiable.

Does anyone else have any similar experiences to mine? Is there anything I can do, or any other insurers that would be worth trying?

Any advice appreciated...

Many thanks,
Mags