Certain things can cause problems when looking for life insurance and usually these are things that can have an affect on someone’s life either now or in the future.
High cholesterol can stand in the way of life insurance under some circumstances but usually it is not too much of a problem.
If the high cholesterol has [...]

If there are medical conditions present it may not be possible to avoid a medical examination or a report from a doctor because without all the facts, life insurance companies are unable to evaluate the risk.
Someone who is fit and healthy with no medical conditions or health problems is unlikely to need a medical examination [...]

Advances in technology have led to pacemakers being developed that are extremely reliable and robust.
So much so that some life insurance are more than happy to offer cover at standard rates.
Many ailments and medical conditions can lead to a life insurance policy being ‘loaded’ or ‘rated’ because of underlying health issues.
Depending on the [...]

A large number of people in the UK are living with HIV and many are leading very normal lives.
Many people with HIV have existing mortgages and family and so a need for life insurance exists.
Until recently it has not been possible for people with HIV to obtain life insurance but that is no longer the [...]

A stroke can radically affect someone’s life.
Being the victim of a stroke is something that will immediately bring home just how vulnerable we all are and remind us of our own mortality.
When that happens the thought of leaving loved ones behind becomes much more of a real concern.
Life insurance can provide a lump sum or [...]

Just because someone has life insurance declined it does not necessarily mean they will be turned down by every insurer.
The main reasons applicants have life insurance turned down or declined vary and can include:
Existing medical conditions
Family medical history
Weight
Drug / Alcohol Abuse
High Risk Occupation
The difficulty is each insurer will assess different situations and circumstances in different [...]

Being overweight can lead to health problems in later life. For this reason life insurance companies may charge more to provide cover to someone who is overweight because there is potentially a greater chance of a claim during the term of an insurance policy compared to someone who is not overweight.
Life insurance companies use [...]

Alcoholics and alcoholism is regarded my life insurance companies in a similar way to many ailments and illnesses.
The severity of the alcoholism and how long a person has been an alcoholic will play a part in determining the cost and availability of cover.
If a person drinks regularly but has not been diagnosed as an alcoholic [...]

Many people in the UK are able to enjoy the peace of mind life insurance brings despite having pre-existing medical conditions or health problems.
If you are not sure if your particular medical condition will affect your chances of getting life insurance it is better to speak with a specialist adviser before submiting any applications. An [...]

Epilepsy is unlikely to prevent an individual from having life insurance but depending on the severity of the condition it could affect the price.
In many cases however, epileptic people can obtain life insurance at standard prices.
An individual who suffered from childhood epilepsy but has not experienced an attack for several years should have no trouble [...]