Life Insurance With Pre-Existing Conditions Most conditions can be covered

Having a pre-existing condition does not mean you cannot get life insurance. Most conditions are insurable and a broker compares across insurers to find the best deal — because one insurer may decline where another offers standard rates. Rated excellent on Trustpilot.

Quick & Easy

No Obligation

Expert Brokers

SSL Encrypted

Quick & Easy

No Obligation

Expert Brokers

Step 1 of 8 13%

I'd like quotes for:*

Just me

Me and my partner

Trustpilot

Rated Excellent - Our brokers are rated excellent on Trustpilot with over 97,000 reviews***

Over 1 million families helped**

Pre-Existing Conditions and Life Insurance

Why using a broker matters when you have a health condition.

Common Conditions Covered

Diabetes, heart disease, depression, asthma, high blood pressure — all are insurable. Most UK insurers cover a wide range of pre-existing conditions.

How Premiums Are Affected

Mild conditions may mean standard rates. Moderate conditions may see a small loading. Severe conditions may need a specialist insurer. The key is comparing across providers.

Why Use A Broker

Insurers assess conditions differently. One may decline where another accepts at standard rates. A broker compares options from multiple insurers to find the best outcome for your specific condition.

Top 5

UK Insurers

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.

Common Conditions and Typical Premium Impact

How different conditions typically affect your premium.

Condition	Typical Premium Impact
Asthma (controlled)	Standard rates
High blood pressure (controlled)	Standard rates
Mild depression	Standard or small increase
Type 2 diabetes	Moderate increase
Heart disease	Higher increase — depends on severity
Cancer history	Depends on time since treatment

Every case is assessed individually. A broker will call to compare options from multiple insurers for your specific condition.

Frequently Asked Questions

Common questions about life insurance with pre-existing conditions.

Yes. Most pre-existing conditions are insurable. Insurers assess each condition individually and many people with health conditions get life insurance at competitive rates.

It depends on the condition and severity. Mild, well-managed conditions may have little or no impact. More serious conditions may lead to higher premiums. A broker will call to compare.

Yes, always. Non-disclosure can void a claim, meaning your family may not receive the payout. Being honest ensures your policy is valid and claims will be paid.

Being declined by one insurer does not mean all will decline. Insurers have different criteria. A broker will call to compare options from providers who specialise in your condition.

Current cancer treatment, HIV, and motor neurone disease are among the more challenging conditions. However, even these have specialist options available. A broker will call to explore what is possible.