Many insurers will cover people with certain pre-existing conditions but they need you to disclose these conditions beforehand.

Although life insurance claims are not often rejected, the majority of those that are rejected are as a result of policyholders not disclosing their personal information in full – especially with regards to health and lifestyle factors. Having a heart condition, obesity, high cholesterol or diabetes doesn’t necessarily mean you will be denied life cover though. In fact, many insurers will cover people with certain pre-existing conditions but they need you to disclose these conditions beforehand so that they can conduct a fair risk analysis.

Before you speak to someone about taking out life cover, make sure you have all the important information regarding your condition to hand. Any dates of diagnosis, treatment or hospitalisation would be useful, as well as medical names and relevant terms for your condition and the dosages of any relevant medication. This will save you time when speaking to insurance companies.

For many conditions, all that will be necessary is for you to disclose it during the initial quoting process. If your condition is serious, you may have to undergo additional medical testing, but this is completely dependent on the insurer and their policies. These tests could include something like blood tests or an ECG, for example. Depending on the condition, you may find that your policy will your premium may be slightly higher than a person of similar age, weight and lifestyle who does not have a medical condition. In other instances, your condition may be of no concern whatsoever to the insurer, who will happily provide you with comprehensive life cover at the same rate.


While it can be tough to gather all this information and speak to insurers, investing some extra time in finding the perfect match for you now can give you peace of mind for years to come and save you time and money years down the line. At MiWayLife, we are always looking to develop our underwriting processes in order to offer cover to as many people as possible. Feel free to contact us for a quote to see if we can offer you comprehensive life and funeral cover.