A simples guide

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

When you’ve battled with an illness or have a persistent medical condition you’re only too aware of how important the little things in life are. But some things, like peace of mind and the reassurance that your family will always be financially secure can seem like an impossible goal if you think having a medical condition will prevent you from taking out life insurance. But that’s not always the case – keep reading to find out more.


What is a pre-existing medical condition?

It’s any condition you have before you take out an insurance policy. Insurers usually have a list of what they consider as a pre-existing condition such as:

  • Asthma
  • Types of cancer
  • Diabetes
  • Epilepsy
  • Heart disease
  • Obesity

As insurance is meant to protect you against the unknown, many insurers choose to exclude claims that might come about because of an already known illness or condition.

If I’ve got a pre-existing medical condition, can I get life insurance?

Yes, you can, but if you do have a medical issue, life insurance might be trickier to get than if you didn’t. It also means that the number of insurers who are willing to cover you might be limited – which in turn can mean higher premiums. But that’s not to say you won’t be able to find protection and assurance at all.

Which is why it’s even more important to compare the market, so that you can see exactly what’s on offer and be confident that what you’re getting is the right cover for you and your family. The main type of life insurance is called term life - this covers you for a fixed period of time such as 10 years. If you outlive the policy, you won’t receive any pay-out. Or, you can invest in a whole of life policy, which will cover you for your whole life and provide a pay-out regardless of when you pass away. However, we do not offer whole of life policies through comparethemarket.com.

Check any exclusions

As you maybe aware if you do have a pre-existing medical condition it’s likely that your premium is going to be higher. Our site can help you compare the price of a standard life insurance policy however this is unlikely to be the price you would pay. We have partnered with LifeSearch who have trained advisors who can help you find the best policy for you given your medical history. They understand life insurance can seem daunting and complicated but they are there to help you work through the options so to talk to someone for a bit more information and reassurance give them a call on 0800 0721141.

heart in hands

What medical information do I need to give to an insurer?

You’ll need to give any information that they ask for, if you don’t tell a potential insurer something they’ve asked you, they might decide not to insure you at all.

All life insurance providers will ask you questions relating to your general health such as your age, your height and your weight. They may also ask you lifestyle questions like whether you smoke or how much you drink or what kind of exercise you take (if any). They’ll also ask you about your family’s medical history and of course whether you have any pre-existing medical conditions.

Always be honest – as tempting as it is to fib a little, not telling the truth means you could invalidate your policy.

Getting the right cover

Finding value and choice even with a pre-existing condition doesn’t have to set your heart racing in fearful anticipation. Just tell us about yourself and what you’re looking for and we can take it from there and if you want to chat to an expert at LifeSearch they are on hand to help you through call on 0800 072 1141.. So don’t carry the burden of ‘what might happen’, get some reassurance and start comparing today.

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