This Step by Step Guide is aimed at visitors with pre existing conditions who are looking to source competitive life insurance.
If you are in good health please visit our Guide to Life Insurance for people in Perfect Health
We strongly recommend reading our full life insurance guide before making any final decisions and as always this guide should only be used as part of your overall research.
As a general rule we would suggesting trying the options in this order and keep working down the list from Step One to Step Four until you have the quote and cover you are happy with:
Check to see if you have any existing life insurance policies that offer Guaranteed Insurability.
If you have such a policy we would strongly suggest investigating the possibility of increasing the cover provided by it.
IF THIS DOESN’T PROVIDE SATISFACTORY COVER CLICK STEP TWO
Does your employer offer an option to take out Life Insurance through work?
They may offer Life Insurance through their pension scheme or as a stand alone policy?
If they do offer a scheme it is possible (though by no means certain) that the scheme will automatically cover pre existing conditions and may therefore offer good value for money.
Ask your Employer if they offer such a scheme.
IF THIS DOESN’T PROVIDE SATISFACTORY COVER CLICK STEP THREE
Contact a Specialist who solely deals with Life Insurance for Pre Existing Medical Conditions.
They should have the knowledge and expertise to know which Insurance Companies are likely to provide you with the most competitive quotes. This is a very niche skill and we have sourced two Specialist firms who will be able to help:
If your condition is ‘common’ and only very mild you may also want to try the following Discount Broker:
IF THIS DOESN’T PROVIDE SATISFACTORY COVER CLICK STEP FOUR
If you have already applied to Pre Existing Condition Specialists and have either been constantly declined or not received an affordable quote you have the option of what we consider the ‘Last Resort’ Policies.
Please read our full guide relating to these policies so you can understand their limitations.
These policies do not offer immediate full cover but they can be an alternative to consider if all else fails.
Eligibility is based on your current age. Click on the company names below for more details.