When it comes to obtaining life insurance coverage, individuals with pre-existing conditions such as asthma, arthritis, diabetes, type 2 diabetes, cancer, heart attack, stroke, pre-diabetes, leukemia, lupus, and even high blood pressure may find themselves facing unique challenges. However daunting this may sound at first glance, many insurance providers recognise the importance of accommodating a diverse range of health conditions when determining premiums and eligibility.
Learn about out the in’s and outs about getting life insurance with a pre-existing medical conditions. To help you navigate these challenges we have created a whole range of comprehensive guides covering the most common conditions.
Life insurance with History of Drug Abuse
Drug abuse is a significant issue in the UK, according to recent statistics, around 3.4% of adults aged 16 to 59 reported using illicit drugs within the last year. That’s approximately one million individuals. The most commonly abused substances include cannabis, cocaine, ecstasy, and heroin. If you’ve had a history of drug abuse? Don’t worry – there are options available to you.
Life Insurance with Type 2 Diabetes
Diabetes Type 2 is a prevalent chronic condition in the UK, affecting approximately 3.9 million people. This accounts for around 90% of all diabetes cases nationwide. The number of individuals diagnosed with Diabetes Type 2 has been steadily increasing over the years, making it a significant health concern. Find out how Type 2 diabetes can impact getting life insurance cover for you and your loved ones.
Life insurance with Type 1 Diabetes
Living with Type 1 Diabetes can come with its fair share of challenges, but it shouldn't prevent you from securing the protection and peace of mind that a life insurance policy brings. If you have been wondering whether it is possible to obtain life insurance with Type 1 Diabetes, rest assured - there are options available for you. Learn how it impacts life insurance and how you can navigate the challenges.
Life insurance with Crohn’s disease
Crohn's disease is a chronic inflammatory bowel condition that affects millions of people worldwide, including individuals in the UK. While it can develop at any age, it commonly manifests between the ages of 15 and 35. According to research, around 115,000 people in the UK are currently living with Crohn's. Learn how the conditions impacts getting life insurance and which factors life insurance providers look at.
Life insurance with Ulcerative colitis
Colitis, also known as ulcerative colitis or Crohn's disease, is a chronic inflammatory bowel condition that affects thousands of people in the UK. According to recent statistics, approximately 1 in every 420 people in the country has been diagnosed with some form of colitis. That means there are over 146,000 individuals currently living with this condition. Learn more about how the condition impacts life insurance & navigating any challenges.
Life insurance with Coeliac Disease
Coeliac Disease is a relatively common autoimmune disorder affecting approximately 1 in 100 people in the UK. It is characterised by an intolerance to gluten, a protein found in wheat, barley, and rye. The condition can have wide-ranging symptoms, including gastrointestinal issues like bloating and diarrhea, as well as fatigue, joint pain, and even depression. Learn more about navigating any challenges..
Life insurance with Cerebral Palsy
Cerebral Palsy is a neurological condition that affects movement and coordination. In the United Kingdom, it is estimated that there are approximately 30,000 children and adults living with Cerebral Palsy. This makes it one of the most common physical disabilities in the country. Learn how Cerebral Palsy impacts life insurance & navigate challenges.
Life insurance for those with Asthma
Asthma is a common respiratory condition that affects people of all ages in the UK. According to recent statistics, there are approximately 5.4 million individuals living with asthma in the country, which equates to around 1 in every 12 adults and 1 in every 11 children. So, its essential to consider how it may impact other aspects of our lives – including something as vital as life insurance.
Life insurance with an Anxiety Disorder
Anxiety is a common mental health condition that affects millions of people in the UK. It can manifest as persistent feelings of worry, fear, and apprehension, making everyday life a challenge. While managing anxiety is crucial for overall well-being, it's also essential to consider how it may impact other aspects of our lives – including something as vital as life insurance. Learn how life insurers view this condition.
