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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

Cover Depends on the Type of Conditions…

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 that reduce life expectancy, will likely have an impact on the premium or terms of the policy.

For anything pre-existing which isn’t life threatening and isn’t likely to affect lifespan 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.

Drew was incredibly helpful all the way along and very responsive and patient with any questions I had (which were many). He was able to get me a much better deal on my new health insurance than I had been able to get online. A success all round!

Francesc Sale
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