Because everyone should have access to life insurance   

Life Insurance 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 to make sure more people get covered. 

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Understanding life cover 

Life insurance is there to help protect your loved ones or beneficiaries financially if you pass away.

If a claim is accepted, they’ll receive a payout to cover expenses like funeral costs, debts and daily living expenses.

This way, you can have peace of mind knowing your family is taken care of even if you're not around. 

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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

If you have pre-existing conditions, then you’re not alone. There are plenty of people like you living with a condition that makes accessing the right life insurance difficult.  

Find out more about how specialist life cover could be the right choice for you today.  

Motor Gap Insurance for a BMW