Pre-existing Medical Condition Life Insurance

Pre-existing Medical Condition Life Insurance

Are you suffering with a pre-existing medical condition? Looking for affordable pre-existing medical condition Life Insurance protection? An FCA regulated broker, like Life Insurance Cover can help you to compare the market of Life Cover providers helping you find the protection you are looking for. Life Insurance Cover compares different insurers to quickly and easily find cover that protects you and your loved ones.

Life Insurance for Pre-existing Medical Conditions

Anyone living with a pre-existing medical condition or who has suffered a medical problem in the past, who would like to apply for Life Insurance will have some challenges. This is because your application involves an increased level of risk to an insurer. Many applications for Life insurance with a pre-existing condition will need to assed by underwriters who want to know about your condition or medical problem to be able to assess your application. Pre-existing medical conditions affect Life Insurance premiums in different ways and premium costs will depend on a number of different factors, such as:

  • Name of the condition (e.g. Kidney disease, IBS, Lupus)
  • Date of diagnosis
  • Medication if any
  • Severity of the illness/condition
  • Is there a family history

These are the building blocks along with other major factors will be taken in to account when the Life Insurance underwriters assess your application. The calculations for pre-existing medical conditions are quite complex, but necessary to work out the premium that you will pay. Life insurance for pre-existing medical conditions can be dramatically different from one insurance provider to another because of different underwriting criteria.

Protecting Your Family

Life Insurance Cover searches and compares protection policies including Life Insurance and Critical Illness Cover for people with pre-existing medical conditions. We have helped families protect loved ones, parents provide for their children and peace of mind knowing that they are protected with Life Insurance. People with a pre-existing medical condition looking for Life Cover policy should already be aware of how hard the application process can be which is why we’re here to help.

Some people may have been declined for Life Insurance or Critical Illness Cover because of a pre-existing medical condition. Some Insurance providers are far more flexible than others when it comes to adverse risk applications. Pre-existing medical conditions Life Insurance can be quite hard to find. By using a broker who can search all of the protection policies available, Like Life Insurance Cover. Can help you to find the best protection policy available for you and your loved ones.

Different types of Pre-existing Medical Conditions

Different types of Pre-existing Medical Conditions

The list of possible pre-existing medical conditions is growing every day through scientific discovery. Especially when you consider that there are in excess of 200 different types of Cancer. Some of the main examples of Life Insurance for Pre-existing Medical Conditions include:

  • Diabetes (Type 1 Diabetes, Type 2 Diabetes, Gestational Diabetes)
  • Cancer
  • Heart Conditions (e.g. Heart Attack, Angina)
  • Stroke
  • Kidney Disease
  • Mental Health (e.g. Depression, Stress, Anxiety, BiPolar)
  • Multiple Sclerosis
  • Neurological conditions

When applying you will be asked about your medical history and medical condition on your Life Insurance application to identify the severity and risk. Your policy may have increased monthly premiums costs or exclusions added depending on your medical history including:

  • Medical complications
  • Mortality
  • Lifestyle

By using an FCA regulated broker who searches all of the specialist Life protection providers, like Life Insurance Cover who can help you identify the best Insurance for you and your circumstances. Will offer both peace of mind and the knowledge that you have protected today to provide for the future of your family.

Do Pre-Existing Medical Conditions Life Insurance Premiums Cost More?

Do Pre-Existing Medical Conditions Life Insurance Premiums Cost More?

The most simple answer is, it can vary between providers. Because Life Insurance premiums are calculated on risk, the underwriting process is designed to assess the levels of risk that relate to your pre-existing medical condition. However, each Life Insurance provider does have a different sets of criteria which will give very different results when it comes to the cost for pre-existing medical conditions.

Therefore it is always recommended to compare Life Insurance polices to find the best protection policy to suit your individual circumstances. The reason for this recommendation is that although many Life Cover providers will offer a protection policy to you. Some policy benefits may be reduced or removed because of a Pre-existing Medical Condition restriction.

Where Can I Get Affordable Life Insurance?

As an FCA regulated broker, Life Insurance Cover searches all of the UK Life Insurance providers, including many that do not provide protection policies directly to customers. These providers include many specialist pre-existing medical condition Life Insurance providers.

By using our simple and easy to use form to start a free no obligation Life Insurance quote, will be a very important first step in protecting yourself and your loved ones. All of the UK Life Insurance providers offer many different types of protection policies, which can be quite hard to navigate. Our specialist team of advisors can help you to search and compare Life Insurance protection policies to find the perfect policy for you. By submitting your details through one of our quick and easy online forms to receive quotes. Our UK leading FCA-regulated insurance providers will help you to find:

  • The best price for Pre-existing medical condition Life Insurance
  • Protection for complete peace of mind
  • A specialist insurer that understands you and your symptoms

Different protection for pre-existing medical conditions

Critical illness cover

Critical Illness insurance offers protection for many conditions including cancer. If you have received a diagnosis for a pre-existing medical condition. Acceptance of your application will depend on various factors. This will include your overall health, whether your symptoms are under control. An insurer may want a medical report to review your current treatment. If you have experienced medication complications, you may face higher premiums or may even need to take out a policy with a specialist insurer.

At Life Insurance Cover we offer policy comparison services to help you find the right cover and take the hassle out of the application process. Simply complete the enquiry form to get a quote. It’s quick, simple and completely free.

More information about pre-existing medical conditions:


Do you have a pre-existing medical condition and require Life Insurance protection? At Life Insurance Cover we take the time to find the best policy and save you money. Offering peace of mind for the future for you and your loved ones. Knowing that you have protected today to provide for the future of your family and loved ones.