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Life Assurance for those with a Poor Medical History

Parkway Financial Solutions are insurance specialists and our expertise is in helping people who have poor medical history or a pre-existing medical condition find Life Assurance.

If you’ve got thumpingly high blood pressure and smoke like a chimney, for example, your insurer will assume there is a greater chance you will die during the term of your life policy, and it will have to pay up.

Life Assurance for poor medical historyIf you smoke, are overweight, or suffer from diabetes, cancer, bowel problems, high blood pressure, or depression, stress and anxiety, you may have to pay more for cover. That’s because insurance company underwriters consider these to be some of the biggest threats to your health.

If you have an existing illness or medical condition, or if you have had an illness or disease in the past, you may think that you are going to struggle to find insurance. You may have applied to an insurance company and had your application for insurance declined, turned down or postponed. Or you may have applied for Life Assurance, and the insurer has offered you cover but at a higher premium. They may be going to charge you extra (or have “loaded” your premiums) because of your medical history or a pre-existing medical condition. Similarly you may be struggling to find income protection or critical illness cover. You are not alone - we receive hundreds of applications each year from people with pre-existing medical conditions.

We have a wealth of knowledge and experience, and we know which insurers will consider your application. If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate.

 

WARNING:  Critical Illness - The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents

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