Can life insurance cover pre-existing conditions?

We have just increased our mortgage and have been advised to get life insurance. My partner has a couple of medical conditions that are not considered life threatening. Could he still get cover?

Question asked by Sally Hunter
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Answered by James Rivers

Cover depends on the kind of medical conditions you already have

When it comes to pre existing conditions, insurers will be looking to see whether the condition is likely to increase the risk of you claiming on the policy. As a life insurance policy pays out on death, any pre existing condition that is life threatening, or reduces life expectancy, will likely have an effect on the premium or terms of the policy. For anything pre existing which isn’t life threatening and isn’t likely to affect life span it would be more likely that standard terms can be obtained.

With serious pre-existing conditions insurers will typically consider the following: type of condition, when the condition was diagnosed, any medication/treatment, any relevant associated factors such as smoker status and height/weight.

Need any help?

Due to the vast range of conditions and personal circumstances it is best to discuss this in detail with an adviser, such as Drewberry, who can then review the market on your behalf. In order to come to a decision the insurers may also require additional medical evidence from you GP. Potential outcomes can be an increase in premium, an exclusion or cover may even be declined, depending on the severity of the condition.

 

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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