Life insurance when your health isn't perfect
A medical condition rarely means no cover. It means choosing the right insurer and answering the questions properly. Here is what insurers ask about the most common conditions.
General health
- Pre-existing conditionsHow UK insurers look at an existing health condition, what they might offer, and how comparing insurers widens your options.
- Smokers and vapersHow insurers treat cigarettes, vapes and nicotine replacement, when you count as a non-smoker, and why honest answers matter.
- High BMIHow insurers use your height and weight, what else they consider, and why the limits differ between insurers.
- Family history of illnessWhich relatives and illnesses insurers ask about, how a family history might affect terms, and the rules on genetic tests.
Heart and circulation
- High blood pressureHow insurers assess high blood pressure, what affects your terms, and why many people with good control pay standard rates.
- Heart conditionsHow insurers assess heart conditions, from palpitations to heart attacks, and how comparing insurers can change your terms.
- High cholesterolHow insurers read cholesterol results, why statins help rather than hurt, and when other heart risks change your terms.
- Atrial fibrillationHow insurers assess atrial fibrillation, from occasional episodes to ablation, and what helps your terms.
- After a heart attackHow insurers assess a past heart attack, from heart function to rehab, and how a broker can find terms.
Cancer
- After cancerWhat insurers ask about a past cancer, why the time since treatment matters, and how a broker finds insurers open to your history.
- After breast cancerWhat insurers ask after breast cancer, from DCIS to invasive cancer, and why comparing insurers matters.
- After prostate cancerHow insurers assess prostate cancer, from active surveillance to surgery, and which results matter most.
- After skin cancerHow insurers treat basal cell, squamous cell and melanoma skin cancers, and what details help your application.
- After lymphomaHow insurers assess Hodgkin and non-Hodgkin lymphoma, remission and treatment, and how a broker helps.
Mental health
- Depression or anxietyHow insurers look at depression and anxiety, what they ask, and why many people with these conditions get standard terms.
- ADHDHow insurers assess ADHD, stimulant medication and related conditions for life cover and income protection.
- AutismHow insurers approach autism, which related conditions they ask about, and how we make the application easier.
- Bipolar disorderWhat insurers ask about bipolar disorder, why stability matters, and how a broker helps find insurers open to your history.
- PTSDHow insurers assess PTSD, which details help, and how a broker supports you through the application.
- After alcohol problemsHow insurers assess past or current alcohol problems, recovery and liver health, and how a broker helps.
Hormones and metabolism
- DiabetesWhat UK insurers ask about diabetes, from HbA1c to complications, and how to find an insurer that suits your health.
- HIVHow UK insurers assess life cover for people with HIV, what they ask about, and why the choice of insurer matters.
- Thyroid conditionsHow insurers view underactive and overactive thyroid conditions, nodules and treatment, and the details that help your application.
- PCOSWhy PCOS seldom changes life cover on its own, and which related health measures insurers look at instead.
- EndometriosisWhy endometriosis rarely affects life cover, and how insurers handle it for income protection and critical illness cover.
Breathing and sleep
- AsthmaWhat insurers ask about asthma, why mild asthma often makes no difference, and what pushes terms up.
- Sleep apnoeaHow insurers assess sleep apnoea, why regular CPAP use helps, and which linked conditions they also consider.
- COPDHow insurers assess COPD, from lung function to smoking, and what helps your chances of fair terms.
Brain and nerves
- EpilepsyWhat insurers ask about seizures and treatment, how seizure-free time helps, and where income protection differs.
- Multiple sclerosisHow insurers assess MS, from relapses and mobility to treatment, and what to expect for life, critical illness and income cover.
- After a strokeWhat insurers ask after a stroke or mini-stroke, why recovery and risk factors matter, and where a broker makes a difference.
- MigrainesWhy migraines seldom change life cover, and when frequent attacks or time off can affect income protection.
Digestive
- Crohn's diseaseWhat insurers ask about Crohn's, from flares and steroids to bowel surgery, and how terms vary across types of cover.
- Ulcerative colitisHow insurers assess ulcerative colitis, from proctitis to colectomy, and what that means for each type of cover.
- IBSWhy confirmed IBS seldom affects life cover, what insurers check, and why income protection can be different.
- Coeliac diseaseWhy diet-controlled coeliac disease often gets standard terms, and which complications insurers ask about.
- HerniaWhy hernias seldom affect life cover, and how income protection handles a hernia awaiting repair.
Kidneys and liver
- Kidney diseaseHow insurers read kidney function results, why the cause and trend matter, and what to expect after dialysis or transplant.
- Kidney stonesWhy one kidney stone rarely matters to life cover, and when repeat stones or kidney damage change the picture.
- Fatty liver diseaseHow insurers assess fatty liver, from liver tests and scans to alcohol and weight, and what helps your terms.
Joints, bones and muscles
- ArthritisWhy osteoarthritis rarely affects life cover, what insurers ask about your joints, and how income protection differs.
- Rheumatoid arthritisHow insurers assess rheumatoid arthritis, from treatment and flares to organ involvement, and what to expect on each cover.
- LupusHow insurers assess lupus, why organ involvement matters most, and what to expect on life, critical illness and income cover.
- FibromyalgiaWhy fibromyalgia rarely changes life cover, what insurers ask about, and why income protection needs careful comparison.
- Back painWhy back pain rarely affects life cover, and how income protection insurers assess and exclude back problems.
- SciaticaHow insurers view sciatica and disc problems, why life cover is rarely affected, and what income protection may exclude.
- GoutWhy gout alone seldom changes life cover, and how related health factors and attack frequency can affect your terms.
- OsteoporosisHow insurers assess osteoporosis and osteopenia, including scans, fractures, treatment and the underlying cause.
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