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Life insurance if you have medical problems
Any life insurance company looking to provide you with life insurance cover must decide whether or not you are an acceptable risk and that means taking into your account not only your immediate health status, but also considering your medical history and whether you have any pre-existing health conditions. If you suffer from a pre-existing medical condition, they will want to check on your general state of health before deciding what premiums to charge for the life insurance cover you require.
What medical conditions can be covered?
Every life insurance application will be reviewed and life cover may not be available in all circumstances. However the following is a list of possible medical conditions where cover might be considered and available:
High BMI or obesity-related conditions
Hypertension or high blood pressure
Irritable bowel syndrome (IBS)
Mental health issues
This is not an exhaustive list of medical conditions and if you have struggled to find life cover for a medical condition that is not shown above, please submit your details online to discuss your life cover requirements in more detail.
What happens after I submit my details for life insurance?
If you are unfortunate enough to be looking for quotes for life cover with a pre-existing health problem, in most instances the life insurance company will be able to offer terms without the need for you to undergo a medical, although they do have the right to request an examination if they feel it is necessary. Just because they request a medical does not always mean they are going to charge you higher insurance premiums.
"I had a history of health problems and needed life insurance cover for a mortgage - it wasn't a problem, I am glad I found QuoteRack."
If you have had any pre-existing health problems and need life insurance quotes, then it is worth looking to QuoteRack to do the leg-work for you. QuoteRack brokers and financial advisors are well-placed to offer the best deal for your particular circumstances.
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"Finding life insurance quotes of any kind was proving to be a problem as I had a pre-existing medical condition. Finally, QuoteRack found me a specialist insurance broker who really knew his stuff."
To submit your details quickly and simply online, please click the 'Get a Quote' button above and you will be contacted directly by a specialist adviser who will be happy to discuss your life insurance requirements without cost or obligation."