Most cancer survivors in the UK can get protection insurance. A cancer history usually influences the terms rather than ruling cover out. Life insurance is the most accessible and is often covered with a premium loading that reduces over time. Critical illness cover and income protection are harder to arrange and more

A heart condition rarely stops you getting protection insurance in the UK. It usually shapes the terms instead. Life insurance is most often offered with a higher premium (“a loading”). Critical illness cover and income protection are more likely to carry an exclusion for heart and circulatory conditions, while still covering you

With a complex medical history, the cheapest quote is rarely the best one. Comparing impaired risk protection quotes properly means looking past the headline premium at the full terms: the loadings, the exclusions, the policy definitions and the insurer’s claims record. The most reliable way to do it is to get an

If you’ve been diagnosed with cancer, life insurance is probably not the first thing on your mind. But for many people, it becomes one of the most pressing questions once the immediate medical decisions are out of the way. Will your existing policy still pay out? Can you take out new cover?

Impaired risk underwriting is the way UK insurers assess applicants whose health, history or lifestyle falls outside standard “tick-box” criteria, for example, someone with a serious or complex medical history, multiple conditions, a disability, or a high-risk occupation. Instead of an instant automated decision, a specialist underwriter reviews the case individually, gathers