Understanding Life Insurance with a Pre-Existing Condition

If you’ve been diagnosed with a medical condition before applying for life insurance, you may wonder how it will affect your eligibility or the price. With the right understanding and expert guidance, you can still find protection that meets your needs and provides peace of mind for your loved ones.

At LifeSearch, we’ve helped thousands of people with pre-existing conditions secure life cover tailored to their personal circumstances. In this guide, we’ll explain what pre-existing conditions are, how they can influence your life insurance options and what steps you can take to improve your chances of getting the right policy.

Understanding pre-existing medical conditions

• Chronic illnesses such as diabetes, heart disease or asthma
• Mental health conditions like anxiety or depression
• Past diagnoses such as cancer or a stroke
• Lifestyle-related conditions, including high blood pressure or obesity

Even relatively minor or well-managed conditions count as ‘pre-existing’, depending on the insurer’s criteria.

How pre-existing conditions affect life insurance

Insurers assess risk to determine how likely they are to pay out a claim. A pre-existing condition may increase that perceived risk, which can influence the cost of a policy, the level of cover offered or the insurer’s decision to accept an application. Some insurers might offer standard rates if the condition is well-controlled, while others may increase the cost or apply exclusions for certain health issues. The most important thing to remember is that every insurer evaluates medical conditions differently, so shopping around or seeking expert advice can make a big difference.

What to prepare when discussing pre-existing medical conditions

When speaking to your insurer or adviser about pre-existing medical conditions, be ready to share:

• Details of your diagnosis - The name of your condition, when you were diagnosed and how long you’ve been managing it
• Treatment history - Any medications you’re currently taking, dosages and details of past or ongoing treatments
• GP and specialist information - Contact details for your doctor or consultant, as insurers may request a medical report
• Test results and medical reports - Relevant information such as blood test results, scan outcomes or hospital discharge summaries
• Current health status - An honest overview of how your condition affects your daily life, including any symptoms, management plans or lifestyle adjustments
• Family medical history - Details of any hereditary conditions, if relevant, as this can sometimes influence an insurer’s assessment
• Lifestyle information - Smoking habits, alcohol intake, exercise routine and weight or BMI, as these factors often impact how much you’ll pay
• Policy goals - An idea of what you want the insurance to achieve (for example, protecting your mortgage, supporting your family or covering funeral costs)

Applying for Life Insurance with pre-existing conditions

Applying for life insurance with existing medical conditions might feel daunting, but the process is often simpler than you think. Here’s how to get started:

1. Gather your medical details: Have key information ready, such as diagnosis, treatments and recent check-ups.
2. Speak to a specialist adviser: They can identify insurers familiar with your condition and guide you through the process.
3. Be honest in your application: Provide complete and accurate information to avoid issues with future claims.
4. Prepare for a possible medical check: Some insurers may request a GP report or short medical exam to confirm your health.
5. Compare quotes and policies: Insurers assess conditions differently, so compare costs, benefits and exclusions.
6. Review your cover regularly: If your health improves or habits change, you may qualify for better rates or coverage.

Medical exams and Life Insurance

When applying for life insurance with pre-existing conditions, you may be asked to complete a brief medical exam to assess your health. This check-up, done by a nurse at your home, workplace or a clinic, usually takes 20–30 minutes and includes basic measurements and simple tests like blood or urine samples. Additional checks, such as an ECG, may be needed for a higher level of protection or certain conditions. Results are confidential and sent directly to the insurer’s medical team.

Medical exams are typically free, and some applications don’t require one at all. Many insurers now use simplified or no-exam options or may rely on existing GP records instead.

Types of Life Insurance for people with pre-existing conditions

The main types of life insurance available to people with pre-existing conditions are:

• Term life insurance - Provides cover for a set period (for example, 10, 20 or 30 years) and pays out if you pass away during that time. It’s often one of the most affordable and flexible options.
• Whole of life insurance - Offers lifelong cover, guaranteeing a payout whenever you pass away. Policy costs are typically higher, but it can be a good choice for those wanting long-term financial security for their family.
• Over 50s life insurance - For applicants aged 50 and over, this policy usually doesn’t require a medical exam and guarantees acceptance, regardless of health history. However, payouts are often smaller.
• Guaranteed acceptance life insurance - These policies have no medical exams and only a few basic health questions (or sometimes none), making them suitable for people with significant medical conditions. However, policy costs can be higher and cover amounts lower. 

Don’t let a pre-existing condition put you off applying

Many people assume that having a pre-existing medical condition means they can’t get life insurance, but that’s simply not true. While it’s normal for insurers to ask more detailed questions or adjust terms, there are still plenty of options available.

If your condition is well-managed, you may even be offered standard rates, especially if it’s been stable for some time. In some cases, any restrictions or exclusions placed on your policy at the start can be reviewed and lifted after a certain period - for example, if your health improves or you remain symptom-free.

The key is not to rule yourself out before exploring your options. Every insurer assesses medical histories differently, and with the right advice, you can often find cover that protects your loved ones and gives you lasting peace of mind.

Choosing life insurance cover with pre-existing medical conditions can be difficult, so it’s always best to speak to an adviser, who can give you fee-free advice and help you find a policy that’s right for you.

Get to know the options with your medical condition(s) with an adviser

We can talk through all the considerations of life insurance and medical conditions and how they affect your options. Our advisers are trained to help you with your options on a wide range of conditions.

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