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Pre-Existing Conditions (Existing Medical Conditions)

The Good, Bad & Unlucky!

When it comes to life insurance our team specialises in finding the most appropriate cover to meet even the most unique circumstances.

Unlike many of the life insurance brokers online only offering a helping hand to those with a clean bill of health, our team specialises in helping people from all walks of life with or without pre-existing medical conditions.

If you have an existing illness or medical condition and have applied to a number of insurance companies and had your insurance request refused or declined our team may still be able to assist you.

The combination of our established relationships with our insurers and the use of our innovative pre-assessment model may
be able to give you a second chance at getting the right life insurance cover for you and your family.

Each rated insurer will have a different view on your medical history. They have clear guidelines which they use to assess each individual application > called underwriting criteria.

Why's Tip!

We can also help you find the right income protection insurance, trauma insurance and total and permanent disablement insurance for your exact situation.

Some insurers may decline your application simply because it is not an area that they wish to provide certain cover for.
Other insurers however may consider specific existing medical conditions and approve your request for insurance.

We have a wealth of life insurance experience and know exactly which insurers will consider your application more favourably. Therefore if you have a pre-existing medical condition and you think you can’t get the cover you need… then we might be able to just give you that second chance.

Our expert team has a proven track record in obtaining insurance for people who have had their life insurance refused or their premiums loaded because of their medical history.

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