Can I Still Get Life Insurance With A Pre-Existing Condition? | QuoteSearch
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Can I still get Life Insurance with a pre-existing condition?

Author

Becky Simmonds,
15 April 2021

Reading time: 5 minutes

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Can I get life insurance with a pre-existing medical condition?

Yes, in many cases you can, however a pre-existing medical issue, can affect the premiums you pay or the type of cover available. This is because of the number of insurance providers who are willing to cover you could be limited, as well as the risk posed by the condition.

Don't be deterred though, when you use QuoteSearch, we put you in touch with industry experts who can assist you in your search for the best cover for you. They do all the hard work for you!!

What counts as a pre-existing medical condition?

Insurance providers normally have a list of medical and health questions that they ask you about when you apply for cover. If the person being insured has experienced any of these it should be noted when applying for the policy. It's important to be upfront with your medical history when taking out a policy because a provider could refuse to pay out for a claim if you withheld information about a prior illness or condition when applying.

Here are a few medical conditions that you may be asked about:

  • Asthma,
  • Cancer,
  • Diabetes,
  • Epilepsy,
  • Heart disease, including heart attacks or strokes,
  • Obesity,
  • High blood pressure,
  • High cholesterol,
  • Anxiety,
  • Depression,
  • Neurological conditions, such as cerebral palsy,
  • Kidney illnesses

What are the next steps?

Unsure what you should do next? Or if you have a pre-existing medical condition and need life insurance?

Click here, Use our simple form to answer a few questions (it takes just two minutes) and get talking to a life insurance expert.

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