How pre-existing conditions affect cover
Insurers price life cover by risk, so a health condition may raise your premium or add terms — but cover is usually available. The key is that insurers treat conditions very differently, so the best policy comes from matching your specific condition to an insurer that views it favourably. Never assume you'll be declined.
1. Standard cover with a premium loading
Many conditions — well-managed diabetes, treated high blood pressure, historic issues — are accepted by mainstream insurers, sometimes at a slightly higher premium. Best for common, controlled conditions; you still access mainstream cover.
2. Specialist insurer cover
For more serious or complex conditions, specialist insurers underwrite cases the mainstream may decline. Best for significant conditions — they take a detailed, individual view rather than an automated one.
3. Full underwriting vs guaranteed acceptance
Being fully underwritten (answering detailed health questions) usually gets the best price and ensures clarity on what's covered. Guaranteed-acceptance plans ask no questions but cost more and may have limited early payouts. Best to be underwritten where possible.
4. Getting your application right
Accurate, complete disclosure is essential — non-disclosure can void a claim. Providing medical details and, where helpful, a GP report can secure better terms. Best handled with an adviser who knows how to present your condition.
5. Reviewing over time
If your health improves or a condition stabilises, you may be able to re-apply for better terms later. Best to review periodically rather than assume your first quote is fixed forever.
How to get the best cover
- Match your condition to an insurer that views it favourably
- Be fully underwritten for the best price and clarity
- Disclose fully and accurately to protect your claim
- Use a specialist adviser for complex conditions
How to find the best policy
Because insurers vary so much on the same condition, whole-of-market advice can be the difference between a decline and affordable cover. A protection specialist knows which insurers suit your situation. Find a life insurance specialist through Nesto — free, no obligation.
Frequently asked questions
Can I get life insurance with a pre-existing condition?
Usually yes — many conditions are accepted, sometimes with a higher premium. Specialist insurers cover more complex cases.
Will it cost more?
Often a higher premium or added terms, depending on the condition and how well it's managed. Some common, controlled conditions add little.
Should I use a guaranteed-acceptance policy?
Only if you can't be underwritten — they cost more and may limit early payouts. Full underwriting usually gets a better deal.
Do I have to disclose everything?
Yes — full, accurate disclosure is essential. Non-disclosure can invalidate a claim when your family needs it most.
Which insurer is best for my condition?
It varies by condition — insurers price the same illness very differently. A specialist adviser will match you to the most favourable one.