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Guide to Life Insurance for pre-existing conditions

If you have a pre-existing medical condition it can be difficult to obtain insurance. Fewer insurers will offer you insurance, depending on the severity of the condition, driving up premiums.


We have options to obtain life insurance quotes including:

What is a "Policy with Exclusions"?

If regular life insurance cover options are not available, even with loaded premium. An insurer can offer a "policy with exclusions".


This means excluding the pre-existing condition from life insurance. If you were to die from this condition in the future then the insurance won't pay out. It would if you died of a different condition.


Should I declare my medical issue?

Yes! You should always be honest and open to us and your insurer. Not declaring a pre-existing medical condition can invalidate your life insurance policy.


We can get life insurance for pre-existing conditions, omitting information does not lead to good outcomes.


Your insurer may ask more questions in order to fully assess your application. You could be asked to provide details on your general health, weight and how much you drink and smoke. Family history may also be requested.


Will I need a medical checkup?

Applicants with medical conditions are often requested to provide medical records. The insurer will ask for your consent to get your medical history from your GP. Requesting a medical does not always mean they are going to charge you higher insurance premiums or decline your policy. If you have not had a checkup from your GP in some time, you may require a more recent checkup.


This is what we call 'Medical Cover Underwriting'. Allowing them to determine the severity of your condition and any treatment required. A decision to Decline Insurance, Increased Premiums or Standard Premiums is then made.


Why are policies more expensive for pre-existing medical?

Insurers have found that clients with existing health conditions are a higher risk. With an increased likelihood of paying out, to mitigate the risk they charge a higher premium.


Insurers calculate the price of your monthly premiums based on how likely you are to make a claim. In addition, some insurers will only accept low-risk applicants. Fewer insurers mean less competition and higher premiums. Whilst this is the case the best resolution is to compare the market with our advisers. To ensure you get the best life insurance policy for your circumstances.


What is a pre-existing medical condition?

Any illness, injury or disease that existed before taking out an insurance policy. Including but not limited to Ashma, Cancer, Diabetes, Epilepsy, Heart Disease, Obesity, bowel cancer, HIV, angina, irritable bowel syndrome (IBS), cancer, kidney disease, Crohn's disease, liver disease, depression, diabetes, muscular dystrophy, epilepsy, parkinson’s disease, coronary heart disease, raised cholesterol, hepatitis, high blood pressure, stroke and weight problems.


A pre-existing medical condition can be any illness, injury or disease. As a result, it’s likely your policy will undergo manual underwriting and could take a few days to be accepted. 


Can I get life insurance without medical checks?

Yes! We have insurers that will allow exclusions on past medical history and other options too.


... read more on Can I get life insurance without medical checks?

How do I buy life insurance?

To ensure you find the right cover at the best price it's a good idea to compare life insurance quotes. We allow you to compare life insurance online or take free advice.


Option 1: Online Life Insurance Quotes

Complete our short online form to let us know what type of life insurance cover you want. Our Online Life Insurance Quote allows you to compare life insurance products, premiums and policies. You can then make your own choice.


Option 2: Life Insurance Adviser

Call us on 08009202001 to receive personalised advice. A no-cost recommendation based on your need and requirements. From independent life insurance advisers.


Our panel of leading insurers includes: 


If you have questions or need help, don’t forget you can speak to one of our specialist advisers on the phone for free, impartial advice.

Why do I need Life Insurance?

Insurance to cover your death is often the most difficult to talk about. It's tempting to think it won't happen to me but that could leave the people you want to protect in difficult circumstances.


To answer "Why do I need Life Insurance?" ask what would happen tomorrow if you passed away. Any joint debt would still have to be paid by your partner, with reduced household income. Any sole debt would have collection agents wanting to take money from your estate to repay them. The mortgage either has to be paid or family move out to the smaller place. 


All of this for your loved ones to deal with whilst as well as the loss of you.


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