When you have a pre-existing medical condition, you may just need some extra help to find a life insurance product that is the correct fit for you and that is where our expert partners come in.

We work with an experienced team who know their stuff when it comes to life insurance so that, when you are looking for something a bit special such as Life Cover for someone who has been diagnosed with a medical condition, they can talk you through your options.

With any medical issue you will need to find a life insurance provider that can take your illness into consideration and still provide the cover you need. Specialist policies can often cost a little bit more so it's important to understand what is available before deciding on a policy.

By talking your needs through with our expert partners you can be reassured that you are making a more informed decision when it comes to your life cover. Our partners are experienced in finding policies that can help when you have a pre-existing condition such as diabetes, asthma or Crohn's disease.

The fact is that millions of people in the UK have been diagnosed with some form of medical condition so for many life insurance providers it is not an obstacle to providing cover.

Simply click the green button above and enter just a few details to get your search underway.

Will my pre-existing medical condition affect my life insurance premiums?

Much will depend on the severity of your condition, how long you have had it and how well it is managed. Ho much does it impact your day to day life?

You may not automatically be refused life insurance because of your condition but people living with some medical conditions have a higher chance of a premature death and so premiums often take into account the risk taken on by the insurer. Your premiums are decided not just on your medical history but also on other factors such as your general health, your age and whether you smoke.

Comparing the policies available to you is even more critical if you are facing a higher premium - and you should always be honest as withholding information about your health could see your policy being void.

Why life insurance is important for those who have a medical condition?

Living with any kind of chronic illness can be tough enough but by having life insurance in place at least, if you should pass away, you have put some protection in place to ensure that your loved ones are taken care of.

Life Insurance policies can help with

• Paying off the rest of your mortgage

• Bills for the monthly mortgage or rent

• Extra childcare costs that may arise

• Your funeral costs

Our life assurance partners can help you with all your life insurance needs including a Critical Illness Plan, Income Protection and Life Cover. So if you have a medical condition and need some free advice let us help.

Our service is quick and easy. Just fill out our quick online form by clicking the green button above or by clicking on the link below and we will get our panel of experts on the case straightaway.

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We can also help with travel insurance if you have plans for a holiday. Compare travel insurance for those who have pre-existing medical conditions.

LifeSearch are our expert partner and they are one of the UK's largest life assurance brokers. They can arrange cover from a range of policies from companies including AIG, Aviva, British Friendly, Legal & General, LV=, Royal London, The Exeter, Vitality, Scottish Widows, National Friendly, Shepherds Friendly, Cirencester, Holloway, Guardian and Zurich. Like MoneyMaxim, they are regulated and authorised by the FCA, and have a guarantee to give you the right cover at the most competitive premium they can all fee free and with no obligation.

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This content was last reviewed on 05/07/2023