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Specialist Life Insurance | Getting cover with an Illness


life insurance with pre-existing condition

Wondering how you can get cover at a reasonable price with your health condition?

You’ve come to the right place.

Some brokers can’t hang up quick enough once you mention a pre-existing condition.

This is especially true if they’ve never heard of your condition before.

They assume you’ll be declined so don’t see the point in helping you…there’s no money in declines you see.

I take the opposite view.

I love a challenge and am proud to have helped lots of our customers get cover where the competition failed.

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You see, truth be told, I am the daddy when it comes to arranging specialist life insurance.

And no, we don’t take ourselves too seriously around here.

I’ve found that people with pre-existing conditions are more resilient and fun loving than people in perfect health so if I can lighten things up by bringing some fun into a drab topic I will.

This approach isn’t for everyone, I understand that, but I can only cater for like-minded people.

Hopefully your illness has given you a more positive outlook on life.

Specialist life Insurance FAQ

We’ve put together some common questions on getting life insurance with an illness.

Here goes…

Can I get life insurance with an illness?

The short answer is a resounding YES!

It’s rare for all 6 insurers to decline an application.

Even if one or two insurers decline, it’s still possible to get cover.

Read more about life insurance with medical issues.

Will I need to do a load of medical tests?


9 out of 10 specialist life insurance applications are approved without the need for a life insurance medical exam.

You will need to go through the normal underwriting procedure though e.g:

  • application form
  • health questionnaires
  • medical report from your GP (depending on severity of your condition)

How long will it take?

The biggest delay is waiting for your GP to send back the report.

If your GP is efficient, you could have a decision within a week.

How much is life insurance with a medical condition?

It will cost more than someone who doesn’t have any health conditions.

Pretty obvious I know but it’s impossible to be more accurate.

All health conditions carry different loadings.

Your condition might be mild, moderate or severe. The more severe, the higher your final premium will be.

You can get indicative life insurance quotes using our quote machine.

Over to you…

I’ve dealt with hundreds of specialist life insurance applications.

The chances are I have already arranged cover for someone with a similar health condition to you so I’ll know which insurer is best and how to get you cover at the best price in the least amount of hassle.

Don’t waste time applying to numerous insurers and brokers, you could do more harm than good.

Give me a quick outline of your condition using the short form below and I’ll be right back.

Remember all our conversations are on a strictly confidential basis, hell, you don’t even have to tell me your name!

Nick McGowan | making life insurance easier

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As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

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