Many people worry that having a medical condition will prevent them from getting life insurance. In reality, while pre-existing conditions can affect the cost or terms of a policy, it doesn’t always mean you’ll be declined. Insurers assess each case individually, and there are often more options than people expect.

This guide looks at what counts as a pre-existing condition, how insurers make their decisions, and what you can do to improve your chances of getting cover in the UK.
Can You Get Life Insurance with Pre-Existing Conditions?
Yes, you can. While some insurers may apply higher premiums or restrictions, many people with existing health issues are still able to find affordable and suitable cover. The outcome depends on the type of condition, how it’s managed, and which insurer you apply to.
What Counts as a Pre-Existing Condition?
A pre-existing condition is any illness, health problem, or diagnosis you had before applying for insurance. Common examples include:
- Asthma or other respiratory conditions
- Diabetes (Type 1 or Type 2)
- High blood pressure or high cholesterol
- Heart disease or a history of stroke
- Cancer (active or in remission)
- Mental health conditions such as anxiety or depression
Lifestyle factors such as smoking, alcohol use, and body weight may also be considered by insurers.
How Do Insurers Assess Applications?
When you apply for life insurance, the insurer will carry out medical underwriting. This can include:
1. A health questionnaire about your medical history and lifestyle.
2. Permission to contact your GP for a report.
3. In some cases, a medical exam or tests.

They use this information to calculate the level of risk and decide whether to offer you cover, at what price, and with or without exclusions.
Factors That Influence Premiums and Acceptance
- Type of condition – Some illnesses are considered lower risk if well-controlled.
-
- Severity and stage – A recent heart attack or ongoing treatment is likely to affect premiums more than a mild, long-managed condition.
- Treatment and management – Well-managed conditions usually attract better terms.
- Recency – How recently you were diagnosed or treated can make a big difference.
- Age and lifestyle – Older age or smoking can add to the cost, regardless of medical history.
Tips for Improving Your Chances of Approval
- Always be honest – Failing to disclose your medical history can void a policy.
- Shop around – Insurers view conditions differently, so it pays to compare.
- Use a broker – Advisers know which providers are more sympathetic to certain conditions.
- Gather records – Having your GP notes or hospital letters ready can help.
- Consider specialist providers – Some insurers focus on higher-risk cases and may offer better terms.
When to Consider Specialist Life Insurance
If mainstream insurers won’t cover you, specialist life insurance could be an option. These policies are designed for people with complex or severe health conditions. They may cost more or include exclusions, but they can still provide valuable financial protection for your family.

Specialist cover is often worth exploring if you have:
- A history of cancer within the last few years
- Severe or multiple conditions
- Ongoing mental health challenges
- A high-risk occupation combined with a medical issue
Why Expert Advice Matters
Finding the right life insurance with a pre-existing condition can feel overwhelming. At Argyll Drummond, we help clients navigate the market, understand which providers are most likely to offer cover, and secure policies that provide peace of mind.
Get in touch with our team today to explore your life insurance options — even if you have a medical history, we’ll help you find the right protection.