Life Insurance for Pre-Existing Medical Conditions | Spectrum Financial Advice

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Life Insurance for Pre-Existing Medical Conditions

If you have pre-existing medical conditions, finding affordable life insurance can be a challenge. In the UK, the various life insurance providers and their underwriters have different views when it comes to covering pre-existing conditions, and it’s important to understand your options.

A pre-existing medical condition is any health problem that you have had prior to taking out an insurance policy. This can include anything from asthma or diabetes to heart disease or cancer. Some insurance providers may consider pre-existing conditions to be a higher risk and they may either refuse to cover them or charge more for coverage and some may add an exclusion to the policy.

Some insurance providers in the UK will not cover pre-existing conditions at all. If you have a pre-existing condition, it’s important to take the time to research your options and find a life or critical illness insurance policy or scheme that works for you.

We are experts in the insurance industry and in this day and age recognise that not all pre-existing medical conditions should be excluded from insurance policies. We have access to all the leading insurance providers in the market and have knowledge and experience in working with providers that may accept pre-existing medical conditions.

If you have a pre-existing condition and are interested in looking at life insurance, critical illness cover, or income protection, we can definitely help, please get in touch with us.

Depending on your circumstances, on certain schemes or policies you may not need to disclose your medical history. It is essential you have suitable cover in place, that will be there if and when you need to claim on the policy.

As experts, we can help advise on a suitable policy with the right cover for you, with certain pre-existing medical conditions often being accepted.


For more advice on life insurance for pre-existing medical conditions, get in touch

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Your mortgage may be the biggest commitment you have, so it makes sense to ensure it is safeguarded.

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It is likely that your current lifestyle relies heavily on your regular income. That is why it’s important to consider what would happen should your income be lost due to illness or injury.

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About Personal Protection Insurance

With a range of Personal Protection Insurance policies available, you can protect your family and loved ones in the event of death, critical illness, or loss of income, due to illness or injury. With Life InsuranceCritical Illness InsuranceMortgage Protection Insurance and Income Protection Insurance, you can ensure your family is protected in any of these eventualities.

At Spectrum FA, our experienced advisors have helped many families protect what matters to them most. With our expert knowledge of the personal protection market, we will advise and recommend suitable solutions for your specific needs.

With the help of Spectrum FA’s tailored advice, you can rest assured knowing your family’s financial future is secure.

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