Because everyone should have access to life insurance
Life Insurance for People with Pre-Existing Conditions
We understand that buying life insurance can be frustrating, especially if you have a pre-existing medical condition, a unique job, or other circumstances. We believe everyone deserves peace of mind, which is why we have partnered with providers who specialise in helping people who might not qualify for “traditional” cover.
Over a quarter of the British population (15 million people) have a long-term health condition, meaning 25% of people might find it difficult to find life insurance that will cover them (Nuffield Trust).
We believe everyone deserves access to the right life insurance, regardless of health, so we’ve partnered with Pulse Insurance Limited to make sure more people get covered.
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Understanding life cover
Barriers to life cover
Pre-existing medication conditions are one of the biggest barriers to life insurance. So, if you’re not in good health, you might find it more difficult to find a policy that will accept your application.
The conditions that might make purchasing life insurance more difficult include:
- Heart conditions
- Cancer
- Mental health challenges
- High BMI
- Cystic fibrosis
- Those with organ transplants
- HIV
- Long COVID
Specialist life cover is highly sought after
Living with a medical condition isn’t uncommon
- 15 million people in the UK have a long-term health condition (Nuffield Trust)
- 7.6 million people in the UK are dealing with a heart or circulatory disease (British Heart Foundation)
- 1 in 2 people will develop cancer during their lifetime (NHS)
- 1 in 4 adults are currently living with obesity in the UK (NHS)
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You’re not alone
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