Yes — having a health condition doesn’t mean you can’t get life insurance. It might just take a bit more care finding the right provider. Whether you’ve had cancer, diabetes, high blood pressure or depression, there are still options.
The key is understanding how insurers assess risk — and how to find one that looks at the full picture.
💡 What Counts as a Pre-Existing Condition?
Any diagnosed health condition you had before applying for life insurance counts. This includes:
- Heart conditions
- Diabetes (type 1 or 2)
- Cancer (current or in remission)
- Asthma
- Mental health conditions (anxiety, depression)
- High blood pressure or cholesterol
- Obesity or BMI-related issues
Each insurer has their own criteria, so don’t assume you’ll be declined — even for serious conditions.
🧠 Will It Affect the Cost?
In most cases: yes. Your premiums may be higher, and some conditions may result in exclusions or postponements.
But…
✅ If your condition is well-managed
✅ If you’ve had no recent hospital admissions
✅ If you’re following medical advice
…you’ll often find insurers who are more understanding.
🔍 How Do Insurers Decide?
They may ask for:
- Details of your diagnosis and treatment
- GP reports or consultant letters
- Your height, weight, and lifestyle (e.g. smoking, alcohol, exercise)
- Current medication or monitoring
Every case is different — so working with a broker who knows specialist insurers can make all the difference.
💬 What If I’ve Been Declined Before?
Don’t give up. Many high street insurers use automated decisions, and a decline from one doesn’t mean a decline from all.
There are specialist insurers who review your medical history in more detail and may be able to offer terms based on a full assessment.
💬 Let’s Find You the Right Protection — Without the Guesswork
Don’t let your health history stop you from protecting your loved ones. We can introduce you to a friendly protection expert who knows which insurers take a flexible view — and how to present your case properly.
✅ Life insurance with medical conditions
✅ Honest guidance on what’s possible
✅ No judgment — just support