Yes, you can get life insurance with a pre-existing medical condition, depending on how severe your health problem is, and the outcome of your medical assessment. You’ll need to complete a life insurance application and answer the medical questions you’re asked, which will help us decide your premiums and whether you’re entitled to life insurance. Examples of pre-existing medical conditions which you’ll need to disclose include diabetes, heart conditions and kidney illnesses.  You would also need to declare a pre-existing medical event, such as a heart attack. Read more on how your medical history can affect your life insurance.