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 [...]

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 [...]

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 [...]

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 [...]

A stroke can radically affect someone’s life but it may still be possible to obtain life insurance after a stroke depending on the severity of the stroke and the after effects. 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. [...]

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 [...]

Life insurance for overweight people can sometimes be a struggle to find but with the right help it may still be possible to find competitive cover. Being overweight could potentially lead to health problems in later life and for this reason life insurance companies may charge more to provide cover to someone who is overweight [...]

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. Confirmed alcoholics who are still drinking are unlikely to be offered [...]

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. [...]

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 [...]