Life Insurance for People with Medical Conditions
Life Insurance Quotes
If you have a pre existing medical condition obtaining life cover may be more challenging depending on the condition and its severity. Life insurance underwriting is based on risk assessment of an individual's likely life expectancy and therefore anything that lowers that expectancy will either result in a higher premium to reflect the greater risk or a decision to decline the risk.
The life insurance market is very competitive and many insurers have different criteria in assessing risk so premiums can vary significantly from one insurer to another. If you suffer from a pre existing health condition making use of the services of a life insurance broker might potentially save you a lot of time and money.
Use our quote enquiry form to discuss your requirements.
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In assessing your life insurance application and any pre existing medical condition Insurance providers will take into account:
- How long ago you were diagnosed
- How well controlled your condition is
- If you have recently been diagnosed, your insurance application may be delayed until you have received a medical check-up
- If you smoke or drink and other lifestyle factors