Life Insurance with Medical Conditions

Life Insurance with Medical Conditions

Applying for Life Insurance with Medical Conditions

Unfortunately, it is a given that having a medical condition is going to affect your life insurance policy in some way. This isn’t to say you’re being penalised for having a condition, but more so to give you realistic expectations and peace of mind about your policy.

This means that you can have a policy tailor-made to suit your needs and in some cases, it can avoid you being ripped off by some providers. Just because you have a medical condition doesn’t necessarily mean your policy or premiums need to be extortionate.

If your condition is mild, under control and not affecting an early passing, you may be surprised at what policy terms you are entitled to. When asked about your condition there will be factors taken into consideration such as the date of your diagnosis, the family history surrounding it, the type of condition it is, how severe it is and how it is managed/current medication taken.

Depending on your provider, more intrusive questions may be asked or a report from your GP will be requested. But the more evidence you can give, the more it can work in your favour.

Say you have type 2 diabetes but have been managing it for the last few years, your premiums may not be as high as you think.
If anything, wanting to take out life insurance may even give you the push you need to manage your lifestyle factors, which potentially affect your condition. Of course, this is easier said than done, and living with a medical condition isn’t always practical for living a healthier lifestyle.

But there are really only a select few conditions that would really affect a life insurance policy, and you may even be surprised that yours isn’t on the list.

The following conditions are the ones the majority of providers will be looking for:

  • Mental health conditions
  • Obesity
  • High blood pressure
  • Heart disease
  • Diabetes
  • Asthma
  • Epilepsy
  • High cholesterol
  • Cancer


This will vary depending on providers and also alongside questions such as if you are a smoker, nutrition, lifestyle and exercise contributions. Some of the above conditions aren’t potentially life-threatening if managed correctly.

If you are able to provide evidence to suggest this, this could affect your premiums in a positive way. This can be done by showing you make regular doctor’s appointments, with an outcome that your symptoms have been managed and are being managed going forward.

For more information about what you are eligible for with a medical condition, it is advisable to get in touch with a financial adviser, who can find the right high street provider for your condition. Many providers are now specifically designed for medical conditions and even specialising in particular types e.g. health insurance just for diabetics.