In days past, having a medical condition could be a blocker to getting life cover. That’s much less the case now.
Whether your medical condition will increase your premium depends on what type of condition it is, how serious it is, and your general health otherwise.
At one end of the scale, if you’ve asthma but you control it well and haven’t had an attack in a specified period of time, it probably won’t raise your premiums much, if at all. At the other end, a serious heart condition could push your premiums up or could make landing cover more challenging.
But the important thing is to try. There are dozens of mechanisms in place to get cover for people who do have health issues. The life insurance industry is much friendlier now to conditions such as HIV, diabetes, heart and lung issues. Some specialist insurers’ base their whole business on covering people with health challenges.
So there are options. Speak with an expert adviser about it today.