Life insurance with pre-existing medical conditions

14 July 2018

Nothing is more important than you and your loved ones’ health and wellbeing. And if you have any sort of health problem, it’s understandable you want to know whether you can still get life insurance cover. In this article we’ll explain how you can get life insurance with a pre-existing condition and hopefully, put your mind at rest.

What is a pre-existing condition?

For the purposes of your life insurance cover, a pre-existing medical condition is any illness or injury that exists before, or at the time, you take out a life insurance policy. Examples of pre-existing medical conditions and events include, but are not limited to, the following:

  • Diabetes
  • Heart conditions (including angina, heart attacks and heart valve problems)
  • A stroke (including mini-strokes) and brain haemorrhage
  • Cancer
  • Cerebral palsy and other neurological conditions
  • Epilepsy
  • Mental illness
  • Kidney illnesses
  • Asthma and breathing problems.

Why you’ll need to tell us about any pre-existing conditions

Your current and past medical health affects what you pay for cover if your application is accepted. Sure, it’s easy to see why some people would be half-tempted to avoid mentioning their medical history in order to get the cheapest cover. But in reality, if you do not tell us full and accurate information about your health when applying then any future claim may not be paid, leaving your loved ones without the cover that you thought your life insurance policy would provide.

Can I get life insurance if I have a medical condition?

There are a lot of medical conditions that will still allow you to get life insurance. But every individual is different, so to find out if you're eligible for cover it may be best to speak to an adviser or you're preferred insurance provider for some guidance. 

What information will I need to give to my insurer?

In order to work out your premiums and decide if cover can be offered with a particular pre-existing condition, simply complete a life insurance application and answer the medical questions you’re asked. If you give details of a health condition, you may need to provide more information such as;  

  • The name of the condition you have.
  • The date you were diagnosed.
  • Details about any hospital admissions and any specialist referrals.
  • The severity and regularity of your symptoms.
  • Information on how it affects your everyday life, such as absences from work.
  • Any medication you take as well as the date you started.

Sometimes a medical report from your doctor may be required. Remember, your insurance company needs your consent before they can access your medical records and, if a medical report is required you’re entitled to see it before it’s sent to your insurer.

Can a life insurance company cancel your policy if you get sick?

As long as you supply full and accurate information in your original application, and pay your premiums when due, your life insurance cover will remain in force for the duration of your policy.

Can I get life cover if a medical condition runs in my family?

You’ll be asked about any family illnesses when you make your life insurance application,  depending on the nature of the condition your acceptance terms may be affected.

Can I get life insurance without a medical?

Yes, a medical examination is not always required but sometimes this is necessary, especially if the amount of cover applied for passes a specific amount. 

Our life insurance

Most people are able to get the right level of cover for their needs. So even if you think you won’t be eligible for life insurance, you can always make an application or contact our team directly for a no-obligation discussion. You could also find out more about our Over 50s Fixed Life Insurance, which is for UK resident aged 50-80, who would like to provide their family with a cash sum after they die, to help contribute towards funeral costs or to leave as a gift. Acceptance is guaranteed with no medical.

Find out more about Life cover