Life insurance for any
chronic condition
Asthma, epilepsy, kidney disease, arthritis and more — whatever you're managing, there's likely an insurer who understands it.
Start Your QuoteFSCA-Authorised Advisers | Whole-of-Market Access
Explore Your Options
Whatever you need to protect, we'll help you compare the right cover.
Life Insurance
A one-off tax-free lump-sum payment for your loved ones in the event of your death.
Learn moreCritical Illness Cover
A tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke.
Learn moreIncome Protection
Monthly tax-free payments if you are unable to work due to long-term sickness or injury.
Learn moreHow Cover With a Chronic Condition Works
Tell us about your condition and treatment
Share your diagnosis, current treatment, and how it affects your daily life.
We match you with insurers experienced in your condition
Your adviser knows which insurers regularly underwrite similar cases.
Underwriting reviews severity and control
Insurers assess how well-managed and stable your condition is.
Receive a personalised quote
Get a quote based on your specific circumstances, not assumptions.
Key features at a glance
Wide range of conditions considered
From asthma and epilepsy to kidney disease, arthritis, and beyond.
Matched to insurers with relevant expertise
Work with insurers who have experience assessing your specific condition.
Severity and control assessed individually
A well-managed mild condition is treated differently from a severe one.
Second opinions if declined
If one insurer declines, we can explore other options before ruling out cover.
Frequently Asked Questions
What conditions count as chronic?
Any long-term condition requiring ongoing management, such as asthma, epilepsy, kidney disease, arthritis, or inflammatory bowel disease.
Will I need a specialist report?
For some conditions, insurers may request a report from your treating specialist to fully understand your circumstances.
What if my condition is rare?
Rarer conditions can take longer to assess, but your adviser will still work to find a suitable insurer willing to consider your application.
Can I still get standard rates?
It depends on the condition and how well it is controlled — many well-managed chronic conditions are still offered close to standard rates.