The list of possible pre-existing medical conditions is almost endless, especially when you consider that there are well over 200 different types of Cancer alone.
Some of the main examples of Life Insurance for Pre-existing Medical Conditions include:
- Diabetes (e.g. Type 1 Diabetes, Type 2 Diabetes, Gestational Diabetes etc.)
- Heart Conditions (e.g. Heart Attack, Angina etc.)
- Kidney Disease
- Mental Health (e.g. Depression, Stress, Anxiety, BiPolar etc)
- Multiple Sclerosis
- Neurological conditions
You will usually be asked about your medical history / condition on your life insurance application to identify the severity and risk.
Some of the main reasons why your life insurance premiums could be increased or critical illness / income protection exclusions may apply because of your medical history:
- Medical complications relating to your condition(s)
- Mortality data
Our team of life insurance experts for pre-existing medical conditions will be able to identify which insurance underwriters will be best for you and your circumstances.