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

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.

Very good service from Rauri – he has been very helpful and thorough.

Kathryn Wright
16/05/2021
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