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Since 2006 we have helped 370,667 people compare Protection Insurance quotes. Five Stars Excellent (4.9) We would love to do the same for you...

Now’s the time to protect your loved ones - Prices have never been cheaper.

Our team of experienced advisers can help guide you through the options and can provide discounts on the best deals in the market.

The quotation service is completely FREE & you are under no obligation to purchase.

Since 2006 we have helped 370,667 people compare Protection Insurance quotes. Five Stars Excellent (4.9) We would love to do the same for you...

How could existing health issues come into play if you are interested in buying income protection insurance?

The whole point of taking out an income protection insurance policy is to give yourself greater financial protection - in the form of monthly tax-free payments - in the event that you are rendered unable to work due to long-term illness or disability. For that reason, you can probably imagine that any prospective insurer will take a lot of interest in your existing health.

While a pre-existing health condition will be far from the only factor potentially affecting how much you pay for income protection cover - or your chances of being approved for such insurance at all - it could certainly be a very important one.

So, what are some of the most crucial things to know if you already have a health issue and you would like to purchase income protection insurance?

Will the insurance policy that you buy give you adequate protection?

We say this constantly here on the QuoteLifeCover blog, but it really is the kind of thing we feel the need to repeatedly underline: you need to check, double check, and triple check what exact protection a given policy will give you, before you commit to it.

In the case of income protection insurance, for instance, some policies will only pay out if your sickness causes you to be unable to undertake any form of work. This means that if your job is a highly physical one, your policy might not pay out if you could theoretically switch to a desk-based role, even if you can‘t actually get such a job.

That‘s why you might make a point of purchasing “own-occupation” cover, which would insure you against an illness or injury that prevents you from working in your usual occupation - not just any occupation.

Could a pre-existing condition prevent me from getting insured at all?

This is made a more complicated question by the fact that the exact situation will differ from one lender to the next. So, here‘s a broad-brush summary: yes, it is absolutely possible that your application for income protection insurance could be rejected on the basis of you having a pre-existing condition.

However, it might instead be the case that you can get approved for an income protection insurance policy, but a clause - or several clauses - is included in that policy to prevent you from making a claim for a pre-existing condition, even if you didn‘t say anything about it in your application.

When you apply for income protection cover, you can expect to be asked various specific medical questions - and if you fail to tell the would-be insurer about a specific condition you have when you are asked for this information, you may find that a later claim you make is rejected. Insurers and plans differ in terms of the exact exclusions they may impose.

If your policy does come with such an exclusion - for example, in relation to conditions that are directly or indirectly attributable to your pre-existing condition - it may be possible to have the exclusion reviewed after a certain period of time passes since your last symptoms or treatment.

In the latter situation, you might be able to have the exclusion removed, so that if you then later make a claim for that condition, the insurer won‘t treat it as a pre-existing condition.

Trust our UK advisers to help guide you to the right solution

The above does not cover everything that you may need to think about, when you are assessing how your current state of health might impact on your income protection insurance application.

This is why we would always advise you to speak to professionals for a more in-depth discussion of your particular situation. And you can do exactly that, by calling our free no-obligation advice and quotation service today on 01604 436919.

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Get Insured within 20 Minutes

It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.

A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.

Calculate Your Cover

Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.

Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.

Calculate your cover here

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Trustpilot score for the service you'll receive

Five Stars Excellent (4.9)

Great communication, help and guidance.

All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.

I was given good independent advise, so I could confidently make my choice on what was right for me.

- Denise

Clear, friendly, efficient and prompt service.

No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.

- Ms Shannon

I found the customer service representative very polite and informative and helpful.

I wished some information on life insurance for a mortgage I have applied for.

All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.

- Mrs Severn

Very good professional service.

I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.

- Mrs Cookson

Professional and no-nonsense approach.

Very thorough yet friendly service. Good contact and information one can understand.

- Heather Cronley

A professional customer centric company with the client at the heart of the transaction.

The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.

- Andrew Hughes

Outstanding service and knowledgeable customer service rep.

I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.

Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.

Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.

I cannot fault this service and the professionalism I received.

- N Marsden

Excellent Service.

Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.

- Glenda

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