If you have a pre-existing medical condition, it does not mean that you can’t take out life insurance. Every application for life insurance through Lifebroker is individually assessed by an underwriter to understand your cover options based on a range of factors including your current health and lifestyle.
Although some people may have a pre-existing medical condition they may still be able to take out life insurance. Rather than simply declining your cover, the insurer may apply a premium loading or exclude a particular condition on your policy, so you can still have cover in place for your family.
As part of your duty of take reasonable care not to make a misrepresentation, it is important that you take care to answer the insurer's questions truthfully when applying so you don’t have any nasty surprises when you or your family need to make a claim.
Before your insurance application is approved, the insurer will generally take into account a variety of personal factors including age, health, lifestyle and your health to offer the right cover, without over-promising to their clients.
For more information, contact one of our insurance consultants on 13 54 33 or if you’re ready to compare life insurance, visit our comparison tool now.