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How to Buy Life Insurance with Bad Health


protection if you have a long term illness

Before we begin

We understand if you prefer not to discuss your health over the phone.

That’s why we don’t ask for your phone number.

We can arrange your policy over email only.

But if you want to talk, we’re only a phone call away.

Now, let’s begin ?


Remember that one time you had a headache, and you googled it, and WebMD told you that you were gonna die because you had an incurable brain parasite from Brazil?

And even though you knew it was probably just a tension headache, there was that one second where you thought it’d be kinda funny if they played ‘Highway to Hell’ at your funeral.

Googling your symptoms never does any good – especially if you’ve recently been diagnosed with a chronic illness. Every little thing seems to come with a massive ‘DANGER’ warning.

But don’t worry: there’s hope. Doing these few things will give you peace of mind.

1. Understand the Life Insurance process

If you don’t have Life Insurance yet, it’s not all doom and gloom. There’s no need to abandon all hope, ye who enter.

Now you’ve been diagnosed, it makes sense to think about getting Life Insurance – but don’t worry yet: an illness doesn’t mean the insurer will automatically turn you down for cover.

So the process goes like this:

  • Complete an application form.
  • On the application form, you’ll disclose your health issue. If it’s mild, you might get coverage, pronto.
  • If it’s a more serious issue, the insurer will write to your GP for a report. The insurers are usually quick because they make their money when they issue policies, but your GP can slow things down. If your GP is on the ball, you’ll get cover or a denial letter fairly quickly. Either way: you’ll know.

And, bonus: for most applicants, you won’t need to do a medical, So you can probably get away without a doc visit. Phew!

However, depending on your condition, don’t be surprised if you have to pay a bigger premium.

2. If you’re in the mortgage process, schedule a chat too

When you get a mortgage in Ireland, you have to get Mortgage Protection which will clear your mortgage when you shuffle off.

If you’re in the mortgage process and you have a chronic illness, give your advisor (or me) a buzz and let them know about your illness so they can apply to the most sympathetic insurer.

In most cases, chronic illness won’t affect your ability to get Mortgage Protection unless you’ve recently been diagnosed or your medication isn’t keeping your condition under control.

That said, it’s super rare, but the insurer can refuse cover if the condition isn’t under control, for example, if you have diabetes with a high HbA1c reading – that’s typically 9+, FYI.

Should you use a specialist broker or the bank to arrange your mortgage protection?

3. Get serious about Serious Illness Cover or Income Protection

If you plan on staying at work, you should look into Serious Illness or Income Protection. With Serious Illness, you’ll get a payout if you get sick with any of a list of specific illnesses – usually the really bad ones like cancer or a stroke.

Income Protection kicks in if you can’t work for any reason for longer than a certain length of time and will pay you up to 75 per cent of your income – which you’ll be glad of if you end up out of work for more than your measly work-allotted three days.

See: it’s not all bad.

How does the insurance process works if you have bad health?

If you’re young and healthy, applying for insurance is handy. You use a quote calculator online, get in touch with a broker/bank/insurer and away you go.

If you’re unwell, you can request the same quote with no bother, but you’ll have to disclose your medical issue – which is where it starts to get messy.

How much your health will affect your price will depend on your illness. If it’s mild, you might get away without having to pay extra. If it’s moderate, you may have to pay an increase. If it’s a severe case, you’ll face a premium increase – or the insurer may decline or postpone your application.

Sometimes, the insurers will essentially hedge their bets to see how you respond to any treatment or how you’re doing six months down the line.

The insurer will also probably request a PMAR (Private Medical Attendants Report), a medical questionnaire that they send to your GP.

The questions ask:

  • When were you diagnosed?
  • What are the symptoms?
  • How has it been treated?
  • Have you been compliant with treatment?
  • How have you responded to treatment?
  • What’s the prognosis?

It’s so the insurer can get an accurate look at your health – and the odds of anything happening to you.

The insurer asking for a PMAR doesn’t necessarily mean you’ll have to pay a higher premium; it could just be that they want to make sure the information you’ve given is accurate.

Once they have the form, the underwriters (the dudes in the depths of the dungeon who fight dragons and do the statistical analysis on applications) will do the maths, and your insurer will send a quote back to you.

Just a heads up, though: GPs can be woeful with the PMAR, so it might take them a few weeks to send it back to the insurer. Sometimes it can take them so long that you might think your PMAR has been nicked by the same lads who stole Shergar, so don’t be afraid to get onto your GP if it’s been more than a week or two.

Why is insurance more expensive if you have bad health or a medical issue?

Life Insurance companies can already feel like a “me vs them” situation, which worsens if you’re not in perfect health.

If you have some health issues, they see you as more likely to claim.

It’s what they call risk.

They make billions of euro by managing this risk very well.

If they see you as more likely to make a claim/riskier, they’ll charge you more.

But some insurers will charge you more than others

Who wants to pay more than they have to? You gotta fight for your right to party get the best price…by making sure you apply to the most suitable insurer for your health condition.

It can feel like one long cod. And I get it, I do, but you can beat the insurers at their own game if you have the right knowledge.

A specialist life insurance broker is handy to have in your corner but make sure they work with all five insurers;

  1. Aviva
  2. Irish Life
  3. New Ireland
  4. Royal London
  5. Zurich Life

They will know how each insurer underwriters various illnesses so they can match you up with the insurer that takes the most understanding view of your health condition.

Stack the odds in your favour, get a professional on board.

What options are available to you if you’re trying to get insurance with bad health?



So I’m a specialist life insurance broker. Hello there, pleased to meet you. ?

And I arrange four main types of insurance: Life Insurance, Mortgage Protection, Serious Illness Cover, and Income Protection.

Suppose you’ve got a fairly serious health condition, chronic illness, or issues with your health. In that case, you’re already over a barrel in that getting Income Protection or Serious Illness Cover won’t be a runner.

Income Protection is super useful, but it won’t cover the illness you already have. The insurers are feckers for that, but unfortunately, the rules are the rules. It’s the same with Serious Illness Cover, though you might still be able to get cover for other illnesses.

Moving onto Life Insurance and Mortgage Protection.

Life Insurance so that you can protect your family financially if the worst were to happen, and Mortgage Protection so that you can own a home to call your own.

Let me say this again: it’s crap that the insurers and the banks make it harder for you to get Mortgage Protection or Life Insurance. No doubt, it can feel unfair. It’s not your fault that you have bad health – but you do have options.

Your options if you’ve been declined for insurance

Like I said above, sometimes the insurers might turn you down or postpone you.

It could even be that you’ve spoken to someone, and they’ve scared the bejesus out of you about your chances of getting insurance.

But here’s the thing.

If an insurer turns you down, it doesn’t mean the others will.

If a bank turns you down, it doesn’t mean the other insurers will either.

See, the banks work with just one insurer (many of them work with the same insurer). They’re not going to recommend you apply to one of their competitors based on your health condition.

So what you need is the option to go to all five insurers with your case. Remember what I said about working with a specialist life insurance broker? It’s particularly true for people with quirky health conditions.

Blowing our own trumpet (read the 1000+ reviews), we’ve worked with hundreds of clients with health issues and got them covered.

It’s what we do here at Lion HQ.

We work with the five insurers giving you the best possible chance of cover.

Getting Life Insurance with Bad Health – Use our A-Z Guide to Find Your Condition

I’ve written blog posts on a whole list of illnesses below and how getting insurance might be affected by it to help you out. It’s a super useful starting point, and I’m always happy to talk on the phone.

To see the full list of blogs about getting Life Insurance with an illness, head over here.

  1. Abnormal smears
  2. Addison’s Disease
  3. Angina
  4. Asthma
  5. Autoimmune diseases
  6. Back pain
  7. Blood clot
  8. Blood disorders
  9. Blood pressure
  10. Breast lump/cyst
  11. Build (height/weight/BMI)
  12. Cancer
  13. Car Accident
  14. Cardiomyopathy
  15. Cholesterol
  16. Chronic fatigue syndrome
  17. Coeliac diseases
  18. COPD/Emphysema
  19. Crohn’s disease
  20. Depression/anxiety
  21. Type 1 or Type 2 Diabetes
  22. Epilepsy
  23. Haemochromatosis
  24. Heart attack
  25. Heart disease
  26. Heart Conditions
  27. Hepatitis
  28. HIV
  29. Irritable bowel syndrome
  30. Kidney disorders
  31. Malignant melanoma
  32. Multiple Sclerosis
  33. Rheumatoid arthritis
  34. Skin Disorders
  35. Stroke
  36. Thrombocytopenia

I’d be stunned if you have a condition we haven’t come across before, and if we haven’t, we know an insurer who has.

Over to you…

Don’t let your health condition discourage you from applying for Life Insurance or Mortgage Protection. It’s possible if you do your homework and nab a specialist broker.

That’s why I’m here, to guide you through the whole journey, from beginning to end.

There are quite a few insurers in Ireland, which means that if you go it alone, you could spend your days stuck on the phone, pressing one for this, two for that, feeling your life ebb away.

When you finally speak with someone (let’s call them Johnny), they haven’t a clue about how your condition will affect your application. Johnny will send you a 20-page form to complete, cross their fingers and hope for the best.

Instead, let us do all of that grunt work for you.

Calling us is like contacting all five insurers at once. Where else can you get this kind of service?

We’re here to help YOU. The next step is to either fill out this questionnaire or arrange a call back here.

Talk soon!

Nick McGowan | making life insurance easier

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Applying for Life Insurance with Type 2 Diabetes

Can you get life insurance if you have diabetes?

The simple answer is yes, you can get life insurance with Type 2 diabetes

Provided you are taking care of yourself, following your GP's advice and your HbA1c reading is less than 9.

The higher your HbA1C reading, the more difficult it will be to get affordable cover.

Don’t know where to start?

Have a nose through our free life insurance guides

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