Life Insurance for Pre-existing Conditions Guaranteed acceptance regardless of health

Pre-existing conditions don't have to stop you getting life insurance. Guaranteed plans accept everyone aged 50-85.

Quick & Easy

No Obligation

Expert Brokers

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Quick & Easy

No Obligation

Expert Brokers

Step 1 of 6 17%

How much cover would you like?*

£5,000

£10,000

£15,000

£20,000

Why Choose Guaranteed Acceptance?

Your health history doesn't matter - we accept everyone.

No Health Questions

Whatever your condition, it won't be asked about. No medical exams, no GP reports required.

Fixed Premiums

Your payments never increase. Lock in today's rate for the lifetime of your policy.

Everyone Accepted

If you're aged 50-85, you're guaranteed to be accepted. All pre-existing conditions welcome.

100%

Acceptance

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Frequently Asked Questions

Common questions about life insurance with pre-existing conditions.

Yes. Guaranteed acceptance life insurance for ages 50-85 accepts everyone regardless of pre-existing conditions. No medical questions are asked.

Any health condition diagnosed before you apply, including cancer, heart disease, diabetes, COPD, stroke, mental health conditions, and many others.

No. Guaranteed acceptance premiums are based only on your age, smoking status, and chosen cover amount. Your health does not affect the cost.

Guaranteed acceptance means exactly that — you cannot be declined. If you have been refused standard life insurance, this is an alternative that guarantees cover.

Guaranteed policies cover up to £20,000. This can help with funeral costs (average £4,000 in the UK), small debts, or leaving a gift. If you need higher cover, a broker will call to check if standard options are available.

Most policies have a 12 or 24 month waiting period. Accidental death is covered immediately. After the waiting period, all causes of death are covered.