A pre-existing condition is any kind of medical condition, health issue or injury you’ve experienced prior to your policy. Anything you’ve suffered in the past, anything you’ve had symptoms of, been tested for, received medication, treatment or surgery for, or are expecting to receive in the future. This could be illnesses or ailments such as asthma, diabetes, epilepsy, cancer, stroke, etc. Or more one-off and infrequent issues such as back pain, a sport injury, or even a problem you’ve simply gone to talk to your GP about. These do not need to have been officially diagnosed to be considered pre-existing conditions by certain insurers.
However, each insurance provider has their own definition of what they consider a pre-existing condition to be, though most take a similar variety into account, as well as the severity of the condition. Insurers will ask you follow up questions about your pre-existing conditions to get a better understanding of how it affects you and any treatment that you might have had. If your conditions aren’t a major risk to your health, most insurers will often offer you standard cover still.
Any pre-existing conditions you might have had prior to taking out a life insurance policy must be declared at the time of application. They are vital pieces of information that determine your eligibility for a policy, as well as what your prices will be, and if you fail to provide or fully disclose anything regarding your health and lifestyle, it can void your policy entirely. Claims made thus might be rejected, refused or your cover could be rendered null.
Pre-existing conditions affect life insurance costs because they have the potential to define you as a high-risk customer to your chosen insurer. If you have a severe pre-existing medical condition, or even multiple, this means that your health is more likely to be negatively impacted, thus potentially reducing your life span or even directly causing your death. The more likely you are to die during your policy, the more likely a claim will be paid out by the insurer – and thus you are more likely to be considered high-risk.
All help centre articles are designed to help give generic information to UK consumers. Protect Line operates on a non-advised basis, so no help centre article should be considered as advice or an indication of the terms and conditions of your policy. Insurers also update their terms and conditions from time to time and while Protect Line endeavours to keep all information up to date, there is a chance the information on these pages may become outdated. All information is correct at the time of publication. To ensure you fully understand the terms and conditions of your policy please read all your documents and contact us for clarification if there is something you do not understand.
Hear from our customers
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Nick
I enquired about a life insurance…
I enquired about a life insurance policy. Received a phone call from Matt Burgess who was amazing to deal with throughout the whole process. Talked me through every step and what each type of policy was and the differences were between them.
Highly recommend dealing with Matt.
Patricia O.
Danny the customer service officer was…
Danny the customer service officer was professional, respectful and kind. He spoke with clarity and reassurance without pressure. He explained all that I needed to know. His explanation left little room for questions as he was very clear. He really knows his job inside out. I was very satisfied with his consultation.
Jack W.
Green lights ahead…
Good experience, made better with Luke Maguire. Speaking to him was like hitting every traffic light as it turns green 💚
If you are thinking about Life insurance, stop thinking and just do it. Its all about the ones you leave behind after you are gone. True selfless act. 💯👌🏻 Thanks Luke.
Neil R.
The man that dealt with me MATT was…
The man that dealt with me MATT was very professional and talked me through everything I was pleased with how he was respectful and explained everything so I could understand the process I’m happy with the cover I have.
Atans JP.
Excellent Service!
I spoke to Henry who was knowledgeable, friendly and very helpful.
He took me through the details of life insurance and critical illness. He found a very well priced cover plan, which I took out. Wonderful company.
Zafal I.
Excellent service recommended…
Spoke with Craig today with a view to getting life cover, he was clear, precise and excellent in explaining from start to finish and answered all my questions satisfactorily, even had a bit of banter along the way which made the experience very pleasing, needless to say I bought the policy recommended to me. Thank you.
Mason G.
Life Insurance
Had the chance to speak with Grant, he was amazing.
It was my first time arranging life insurance for my partner and my new born, so as you can imagine, not very clued up on how it all works. He explained everything so well and very clearly. Thank you Grant
Nick
I had a very positive experience with…
I had a very positive experience with this life insurance company.
Emily was knowledgeable, patient, explained all my options clearly and made the process easy to understand.
Highly recommended.
Sandra R.
Did an online quote and within minutes…
Did an online quote and within minutes got call from Katy who was amazing. Talked me through everything and ended up with policy. She knew what I was looking for and so helpful and patient.
Highly recommend. Thanks again Katy for sorting everything out for me.
Russell
Had a consult with Tommy Farthing…
Had a consult with Tommy Farthing, absolute pleasure dealing with him. Extremely patient, clear understanding of the information he provided, made me feel at ease through the entire process as I was rather edgy at first. I never felt pressured or treated like a mere run through receiving my consult. Thank you Tommy.
Anonymous
It was an absolute pleasure speaking…
It was an absolute pleasure speaking with Harrison. His product knowledge was outstanding, and he took the time to explain everything thoroughly, ensuring I fully understood the options available.
He was professional, patient, and genuinely engaging throughout the conversation.
Danielle S.
The man I spoke to was very helpful and…
The man I spoke to was very helpful and I came off of the phone saving £15 a month nearly on my life insurance
MS Heer
Very helpful gave me a lot of good…
Very helpful gave me a lot of good and a reasonable price for both insurances, was thorough with everything
Karen R.
Amazing service from Luke Maguire…
Luke Maguire assisted us to find a life and critical policy that suited our needs and budget, he did so with time and care. Luke gave us plenty of time to consider options and was full of knowledge to support us to decide. Luke went over and above dedicating time that suited us but meant he would be late leaving off.
