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Can you get life insurance with pre-existing medical conditions?

Finding the right life insurance policy can seem like a daunting task. There are so many providers and policies on the market that make the whole process seem overwhelming. It might feel even more difficult if you have a pre-existing medical condition, which could factor into whether a company approves you.

Below, we look at some common pre-existing medical conditions and delve into how they can affect your life insurance.

Is life insurance available if you have a pre-existing medical condition?

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Many insurance companies do offer life policies to customers in the UK. The issue, however, is that the policy is likely to be more expensive, and you might not be approved straight away. As with a regular life insurance application, you must be honest when detailing your conditions to the insurance company. Failing to do so could mean that your family isn’t eligible for a payout should a particular incident not be covered by your policy.

If you’re struggling to find a company that will provide you with cover, you could employ the help of an insurance agent that will work to find the right policy for you and your pre-existing condition.

If you’re struggling to find a company that will provide you with cover, you could employ the help of an insurance agent that will work to find the right policy for you and your pre-existing condition.

Common medical conditions and how they affect your life insurance.

There’s an array of conditions that can affect your insurance premium or the chances that you’ll get approved. Here, we delve into a few of the common ones.


Insurance companies will take into account the type of cancer and which stage it’s at. This information is usually obtained by getting in touch with your doctor provided you give permission. It’s not impossible, but some companies will provide coverage. Premiums will remain high until two to three years after recovery, during the most critical period.

Mental health

Some insurance companies will provide customers with a mental illness life coverage; however, it depends heavily on the type of mental illness and your recent medical history. You might get declined if there’s been a recent increase in the severity of your condition. It’s essential to be truthful in the underwriting process to avoid unwanted surprises in the future. Learn more about mental illness life insurance.

High BMI life insurance

Insurance companies tend to offer life insurance to customers with a higher BMI, but it depends on how high exactly. The issue is that with a higher BMI, other health issues could arise. You can learn more about high BMI life insurance if you’re concerned that your premium might be affected.

Type 1 diabetes

It’s unlikely that an insurance company will decline your application if you have Type 1 diabetes, especially if it is under control. Head over to our helpful guide to learn more about Type 1 diabetes life insurance. It’s always best to know the details before committing to a policy.

Type 2 diabetes

Getting life insurance with type 2 diabetes will depend on various factors, such as blood pressure and BMI. Usually it isn’t an issue to get coverage, but you might find it more difficult if you’re in poor health or you suffer from a severe case.

Multiple sclerosis

It can be a daunting process to find life insurance with a standard firm. The best way forward if you’ve been diagnosed with MS is to find a specialist insurance company with a history of providing life insurance to customers with Multiple Sclerosis. Most likely it will be more expensive than a standard life insurance policy, but a specialist might be able to find you a good deal.


Getting approved for a life insurance policy whilst having epilepsy will depend on the type of seizures you might have. Also, in most cases, your premium will also be higher to deal with the increased risk. You can learn more about epilepsy life insurance if you’re concerned your application might be declined.

Life insurance with disability

If you live with a disability, it’s essential to find an insurance policy that recognises your disability without increasing your premium too much. The best way to do this is to go through a specialist insurance firm or agent that can find you the right disability life insurance.

How much does life insurance cost if you have a pre-existing medical condition?

We compare plans from the leading life insurance providers

As evidenced by this article, your life insurance premium might increase if you have a pre-existing condition. The actual value would be impossible to estimate since it would be on a case-by-case basis. Get in touch with a provider to get a realistic quote and to discuss your options.

What should you do if your application for life insurance is declined?

Don’t get disheartened if an insurance provider declines your application. There’s plenty of insurance firms that might accept you, especially ones that have a history of dealing with customers suffering from the same pre-existing condition.

It would help if you also tried to find an insurance agent that has previously dealt with customers suffering from the same pre-existing condition. Often, they can find you a policy at a reasonable price.

Can you get critical illness cover for your pre-existing medical condition?

Some insurance companies will offer critical illness cover if you have a pre-existing condition; however, they will likely exclude certain situations or scenarios from the policy. Make sure that you discuss your policy in detail with the insurance provider to avoid any future disappointment.

Should you consider life insurance if you have a pre-existing medical condition?

Getting a life insurance policy is a fantastic way to ensure your family and loved ones are protected should something happen to you. If you were to pass away, would your family be able to maintain the same quality of life and meet mortgage and other debt payments? If you add a pre-existing condition, especially a severe one, getting high risk life insurance becomes even more important.