Can you get life insurance with a pre-existing medical condition?

A recent diagnosis or recovery from illness might make you think about taking out life insurance, but you may be worried about how your condition affects cover. Here, we explore pre-existing medical conditions with life insurance to give you a clear picture of what to expect.

What is a pre-existing condition?

A pre-existing medical condition is any illness, injury or condition you’ve had or currently have.

What’s classed as a pre-existing condition will vary by provider, but it usually includes:

Can you get life insurance with a pre-existing medical condition?

Yes, you can get life insurance even if you have a pre-existing medical condition. However, you’ll need to bear in mind that your choice of provider may be limited.

Based on your medical history, you may also find that policies cost more compared to someone with no history of illness.

How does a pre-existing condition affect my life insurance?

If you have or have had a medical condition, life insurance providers will usually want to know more about it. This could include asking you:

You’ll also be asked standard questions about your lifestyle and general health, for instance, whether you smoke or drink alcohol (and if so, how much). Other questions could be about your height and weight and how much exercise you do each week.

Will I need a medical to get life insurance?

This will depend on the answers you give to the questions you’re asked. If the provider needs to better understand your overall health, they may ask you to have a medical. If this happens, the provider should cover the cost and arrange the check-up at a time and place that’s convenient to you.

What happens at a medical exam?

In 2026, many providers use 'mini-medicals' where a mobile nurse visits your home. They will measure your height, weight, and blood pressure. Some applications now even use 'digital medicals' or 'Health Vault' data with your permission to speed up the process without a physical exam.

What life insurance can I get with a pre-existing health condition?

If you’ve got a pre-existing health condition and your application is accepted, you’ll usually be offered:

A life insurance policy with exclusions

An exclusion is something that’s not covered by your policy. In life insurance, exclusions will typically include your pre-existing condition and any conditions that are closely related.

For example, if you have angina, the provider may only accept your application if angina is excluded from the policy. Other closely related conditions may also be excluded, such as heart attack or stroke. If you pass away because of one of these conditions, your policy won’t pay out.

A life insurance policy without exclusions

Even if you’ve got a pre-existing condition, some providers may offer you cover without exclusions. In other words, you’ll be covered even if you die from an illness you already have or have had (subject to any other policy terms).

If you have an existing health condition and are offered a policy without exclusions, it’s likely to come with a higher-than-average premium.

Do I need to tell life insurance providers about a pre-existing condition?

Insurance providers will ask specific questions about your health, and you have a legal duty to take 'reasonable care' to answer them accurately. If you deliberately or even carelessly provide incorrect information, the provider may be entitled to 'void' the policy and refuse to pay a claim later.

Do life insurance providers contact my GP?

In some cases, yes, life insurance providers may contact your doctor or other health professional (with your permission).

If they do, it will usually be to verify what you’ve said in your application or to clarify any health conditions or treatment you’ve had. For example, if you’ve had cancer but are in remission, providers might need to know more about your diagnosis and treatment.

Does all life insurance ask about pre-existing conditions?

Over 50s life insurance guarantees acceptance without medical questions. However, most 2026 plans include a 'waiting period'—usually the first 12 or 24 months. During this time, the full sum is only paid out for accidental death; death from an existing illness usually only results in a refund of premiums paid.

To be eligible, you’ll need to be at least 50 years old and resident in the UK. There are usually maximum age caps and most plans will only accept applicants up to age 80 or 85.

What should I know about over 50s life insurance plans?

Most over 50s plans are whole of life policies. Typically, this means you’ll need to pay a set premium every month from when you take out the policy to when you die.

The amount of money that is paid out by an over 50s plan is usually less than the amount from other types of life insurance. So, if you’re taking out life insurance to cover big expenses like a mortgage, an over 50s plan might not be enough.

For more information about how these plans work, take a look at our guide to over 50s life insurance.

Does family history of illness affect life insurance?

It can do, but it will depend on what those illnesses are and your own overall health and medical history.

Some inherited cancers (for example, breast and bowel cancer) can lead to higher premiums. However, under the 2026 Code on Genetic Testing and Insurance, UK providers generally cannot ask for or use the results of a predictive genetic test (such as the BRCA gene test) for policies up to £500,000. They can only ask about your family’s actual medical diagnoses.

Understanding your life insurance options

Life insurance can be a valuable safety net—removing financial stress from your loved ones when you pass away. It is of course, important to be clear about what’s available. To help you with this, we’ve put together a guide to some of the best life insurance so that the policy you choose suits your needs.

The information in this article is provided for general guidance only and is not offering financial advice. Speak to a financial advisor to discuss your specific situation.