You may have scared the life out of yourself if you have been googling life insurance and MS.

Don't worry, it's not too difficult to get cover.

In this article, we go through what you need to know before you apply.

Breathing.

Most people take it for granted.

But for some people with asthma, like our friend Dean, every breath in and out can be a struggle.

Fortunately, we got cover for Dean but we had to tread carefully because some insurers wanted to go to town on his premium.

It's possible to get life insurance after a heart attack.

But there are a number of factors you need to be aware of.

I discuss them in more detail in this post.

You can get life insurance and mortgage protection cover after having a stent fitted.

Here we go through the factors the underwriters will consider before offering cover.

Be warned! If you're under 40, it's going to be difficult to get cover.

It's possible to get life insurance with cardiomyopathy if you apply to the most sympathetic insurer.

But it's not straightforward.

Here's our guide.

You think you're healthy when you begin the life insurance application form...then you reach the family history question:

Have any of your parents, brothers or sisters ever had one or more of the following medical conditions at the ages specified:

Hmmm...

Suffering from overactive thyroid?

You're not alone, it's one of the most common health conditions we see in life insurance applications.

An overactive thyroid or hyperthyroidism shouldn't affect the price of your life insurance provided...

Alzheimer's disease is the most common form of dementia, accounting for 50-60% of all cases.

It is a progressive neurological condition characterised by the build-up of proteins known as plaques in the brain.

These plaques gradually damage and destroy the nerve cells making it more and more difficult to remember, reason, understand and express ideas.

There is currently no known cause and no cure for the condition. As a result, it's not possible for someone with Alzheimer's to get insured.

Can somone diagnosed with an Alcohol Use Disorder get mortgage protection?

The simple answer is no - if they are still drinking.

If they have been clean and sober for over two years, then there is a chance of getting cover.

But there will be a significant increase in the price (on average they'll pay three times the normal price)

Worried that IBD will affect your life insurance or mortgage protection application?

You've come to the right place.

We're the experts when it comes to Cronh's and Colitis.