Pre-existing medical condition life insurance

Are you suffering with a pre-existing medical condition? Looking for affordable pre-existing medical condition life insurance cover? At Life Insurance Cover we 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.

Pre-existing Medical Condition Life Insurance

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. As your application involves a certain level of risk. Life insurance underwriters will 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 for and provides life insurance, 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 insurance 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 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, however we search all of the life insurance companies in the UK. Our team of experienced life insurance advisors will help you find the best life insurance protection within your budget.

At Life Insurance Cover, our advisors knowledge and understanding of medical conditions will help to protect your family.

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)


Heart Conditions (e.g. Heart Attack, Angina)


Kidney Disease

Mental Health (e.g. Depression, Stress, Anxiety, BiPolar)

Multiple Sclerosis

Neurological conditions

You will be asked about your medical history and medical condition on your life insurance application to identify the severity and risk. Some of the reasons why your life insurance premiums could be increased or exclusions may apply because of your medical history:

Medical complications



We will help you identify which insurance underwriters will be best for you and your circumstances.

At Life Insurance Cover our specialist team of advisors and comparison service can help you find the best FCA-regulated life insurer that suits your needs. Helping you to compare prices and find the best deal that is within your budget.

Pre-existing Medical Condition Life Insurance cover

Different Costs for Insurance premiums

Why Providers Differ For Pre-Existing Medical Conditions Life Insurance?

Life Insurance premiums are calculated on risk and the underwriting process is designed to assess the levels of risk that relate to your pre-existing medical condition. Each life insurance provider will have a different sets of criteria which will give very different results when it comes to the cost for pre-existing medical conditions.

Where can i get Life Insurance?

Life Insurance Cover works with all of the UK’s leading insurers for pre-existing medical condition life insurance. Our panel of FCA registered life insurance specialists will provide quotes. We will get a quote from more than one life insurance company and compare the one that is best 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.

Life Insurance Cover offers 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 cover? At Life Insurance Cover we take the time to find the best policy and save you money. We also make the purchasing of life insurance as quick and simple as possible. Fill in the easy no obligation enquiry form to speak with member of our specialist team. Get protected with life insurance.