What Counts as a Pre-Existing Condition?

A pre-existing condition is any illness, injury or health issue that existed before you applied for a new life insurance policy. This can include:

• Mental health conditions
• Heart disease
• Cancer history
• Asthma or respiratory illness
• Chronic pain
• Past surgeries

Insurers may ask about these conditions during underwriting and request more information from your GP or medical history.

What Insurers Look At

• The type and severity of the condition
• How recently it was diagnosed or treated
• Whether it’s stable or ongoing
• Your lifestyle and management (medication, checkups, recovery)

Possible Outcomes

• Your policy is accepted with no changes
• You get approved, but the condition is excluded from cover
• Your premium is increased to reflect higher risk
• The application is declined (less common)

Tips for Applying With a Pre-Existing Condition

• Be honest about your history. Non-disclosure can lead to denied claims.
• Apply through a platform like SelectLife where you can compare multiple insurers.
• Prepare supporting medical records or have your GP ready to provide detail.
• Consider applying earlier, before health conditions worsen or new ones develop.

FAQs

Will I pay more if I have a pre-existing condition?

Possibly. Premiums are based on risk, and certain health conditions may increase that risk. Some insurers may charge more or exclude specific issues.

Can I get life insurance if I’ve had cancer?

Yes, depending on the type of cancer, how long ago you were treated, and whether you’re in remission. Some insurers are more flexible than others.

Is mental health a red flag for insurers?

Not necessarily. Many people with a history of anxiety, depression or therapy still get cover. It depends on the diagnosis, treatment and stability.

Final Thought

Pre-existing conditions may change how your policy is assessed, but they don’t mean you’re out of options. With the right support and a clear application process, life insurance is still within reach.

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