Getting life insurance if you have a pre existing illness can be difficult, as life insurance companies all have different ways of dealing with clients who have pre-existing medical conditions. For example some insurance companies will decline people completely, some will only insure certain medical conditions and others can add a premium loading by up to 200%. Therefore it is difficult to be sure that you have the right deal without approaching a huge number of companies for quotations.
And getting quotes from insurance companies can not only be time consuming but frustrating too, because to get an accurate quotation you will need to provide details of your full medical history and undergo a medical (in most cases) for each insurance company you approach.
One alternative is to use an independent financial adviser, who can search the market for you. However the downside of this is that most advisers work with a portfolio of financial products rather than specialise in life insurance for clients with pre-existing conditions. Therefore they may not have the detailed knowledge that is required to approach the best life insurance company or companies for someone with medical conditions such as angina, high blood pressure, diabetes, high cholesterol, cancer, obesity, anxiety disorders and seizures, etc.
Our partners are independent financial advisers that specialise in life insurance for those with pre-existing medical conditions. They have in-depth knowledge of which companies to approach to get you the best deal based on the type and severity of your medical condition. So although you will still need to provide medical information and a medical, you can be confident that you will end up with the best opportunity of achieving the most competitive premium for your circumstances. Furthermore the service doesn’t cost you anything and you pay the same price whether you go through our agent or the insurance company direct.
So if you are looking for life insurance or you have life insurance and you want to make sure that you have the most competitive premium, please complete the short enquiry form and our specialist personal advisers will be in touch to help you through this process.