Life insurance, even with
a pre-existing condition
Specialist advisers who know which insurers accept conditions like diabetes, heart disease, or past cancer — so you're not turned away.
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 Pre-existing Condition Works
Tell us your medical history
Share details of your condition, treatment, and current health.
We match you with specialist insurers
Your adviser knows which insurers are most likely to accept your circumstances.
Underwriting reviews your condition
Insurers assess your medical history to confirm terms and pricing.
Receive a tailored quote
Get a quote that reflects your true risk, not a blanket refusal.
Key features at a glance
Specialist insurer panel
Access insurers who specialise in covering pre-existing conditions.
No condition automatically excluded
Every application is assessed on its individual merits.
Honest, upfront underwriting
Clear guidance on what to disclose and how it affects your cover.
Cover reviewed as your health changes
Options to review your policy if your condition improves over time.
Frequently Asked Questions
Will I be refused cover?
It's less likely than you might think. Many insurers accept common conditions like diabetes or hypertension, sometimes with an adjusted premium or exclusion.
Do I have to disclose everything?
Yes, full and honest disclosure is essential. Non-disclosure can result in a claim being refused later.
Will my premium be much higher?
It depends on the condition, how well managed it is, and the insurer. Your adviser will find the most competitively priced option for your circumstances.
Can I get cover after being declined elsewhere?
Often yes — different insurers assess risk differently, so a decline from one does not mean you will be declined by all.