Getting life insurance with a pre-existing condition can be a little complicated, but that doesn’t mean it’s impossible – far from it.

If you’ve had a battle with an illness or are suffering from an ongoing condition, you are probably more aware than most of how important life insurance is to provide peace of mind that your loved ones will be financially stable, should the worst happen.

There are many different types of pre-existing medical conditions, such as obesity, heart disease, cancer, diabetes and asthma to name just a few.

While it isn’t impossible to get life insurance with a pre-existing medical condition, you are likely to be limited in your choices as some companies will not cover you. In turn, this means your premiums may be higher.

Here are a few pointers to help you find the best life insurance policy if you have any pre-existing problems.

No medical

If you have a pre-existing medical condition, it is important that you are wary of any insurers that promise you a “guaranteed acceptance with no medical”.

This doesn’t mean that they are shady and should be avoided, but it does mean that there will likely be a waiting period of up to two years. If you did die during this time, your estate will only get back the premiums you’ve paid and nothing else.

Ultimately, the money your estate gets back as a payout might be a drop in the ocean compared to the high premiums you’ve had to pay.

Shop around

One of the most important parts of getting the best deal on your life insurance, whether you have a pre-existing condition or not, is to shop around.

Compare life insurance policies from some of the UK’s leading providers at, today.

Lifestyle changes

If it is possible to cure your condition, for example adopting a healthier lifestyle to end obesity, this can make it much easier to find life insurance that is both cheap and simple.


If you have recovered from a serious medical issue, it’s important to consider the timing of when you look for a policy. The sooner you try to arrange cover after you recover, the more expensive and complicated it is likely to be.

Assuming your recovery period goes well and you start to return to health, it is likely to be much easier to get a great deal on your life insurance policy.

This should not be construed as advice and is for guidance only.