Life Insurance Guides

Life insurance is usually there to support your loved ones when you’re no longer around. But some policies pay out earlier if you are diagnosed with a terminal illness.

Talking about suicide is never easy, but it’s an important subject when it comes to life insurance. It’s important to be clear about typical terms and conditions in relation to suicidal death.

Being refused life insurance can feel like a door being slammed shut, but it may not be the end of the road. This guide will walk you through why it might happen, what it means, and what you can do next.

While smoking may not be technically classed as a ‘pre-existing condition’ in the way conditions like diabetes or cancer are, it is considered a risk factor that might impact a life insurance application.

If you’re living with obesity and applying for life insurance, you may be wondering whether your weight could affect the outcome. The short answer is yes, insurance providers do take body weight into account during the application process.

If you have a history of heart problems, it’s natural to wonder how this will affect your life insurance options. While a heart condition is considered a significant risk factor by insurers, it doesn’t mean you won’t be able to get cover. In many cases, life insurance is still available, although premiums may be higher, or some exclusions may apply.

If you have epilepsy and you’re applying for life insurance, you may be wondering how it might affect your eligibility or the cost of cover. The good news is that having epilepsy doesn’t necessarily mean you won’t be able to get life insurance, although your condition will be taken into account as part of the insurer’s assessment.

If you live with diabetes and apply for life insurance, the insurer will take your condition into account as part of their risk assessment. Having diabetes doesn’t mean you can’t get cover, but it may influence the cost of your insurance policy or the terms offered.

When you apply for life insurance, insurers will want to understand your health history to assess risk. If you’ve been diagnosed with Crohn’s disease, this will likely be taken into account during the application process.

When applying for life insurance, one of the key things an insurer looks at is your overall health and medical history. If you’ve been diagnosed with cancer, this may affect how insurers assess your application, the cost of cover, or whether they are able to offer cover at all.

While drinking alcohol may not be technically classed as a ‘pre-existing condition’ in the way conditions like diabetes or cancer are, it can be considered a risk factor that might impact a life insurance application.