Pre-Existing Health Conditions

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Life insurance if you have health 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.

These types of medical condition include bowel cancer, HIV, angina, irritable bowel syndrome (IBS), cancer, kidney disease, Crohn's disease, liver disease, depression, diabetes, muscular dystrophy, epilepsy, Parkinson’s disease, coronary heart disease, raised cholesterol, hepatitis, high blood pressure, stroke and weight problems.

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."