Can I get life insurance with a pre-existing medical condition?
Often, yes. Many people with conditions such as diabetes, high blood pressure or a history of cancer can get life cover, though the premium may be higher or certain causes excluded. The outcome depends on the condition, how well it is managed and the insurer. An adviser can help find insurers more likely to offer terms.
Be fully honest
Always declare conditions accurately. Undisclosed information could affect a claim.
Specialist insurers
Some insurers specialise in particular conditions and may offer better terms.
Review later
If your condition improves, some insurers will review loadings.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026