- Fast quotes, protection for years
- Compare quotes
- No obligation / No upfront fees
- Same-day cover available†
Why Use TheLifeSupermarket?
Compare Top Providers
We partner with trusted UK insurers to give you a clear view of your options—all in one place.
Tailored To You
Answer a few simple questions and get quotes that match your needs and budget.
No Fuss, No Jargon
We cut through the confusion so you can understand exactly what you’re getting.
Get Covered Fast
Quick, easy application process—some policies even come with instant cover.
Frequently Asked Questions
What is Pre-Existing Life Insurance?
Pre-existing life insurance refers to life insurance for people who already have medical conditions or health issues before applying. Insurers take your medical history and potential future risk into account when assessing your application and setting premiums.
Even if you have a pre-existing condition, you may still be able to find cover that suits your needs. Applying for a quote is quick and easy, and it can help you see what options are available from trusted insurers — giving you peace of mind that your loved ones will be financially protected.
What Counts as a Pre-Existing Medical Condition in Life Insurance?
In life insurance, a pre-existing medical condition refers to any illness, diagnosis, or health issue that existed before you apply for a policy. This could be an ongoing condition, something you’ve previously been treated for, or a health issue you currently manage with medication.
Common examples of pre-existing conditions include:
- Diabetes (Type 1 or Type 2)
- Cancer
- Asthma
- High blood pressure
- Epilepsy
- Crohn’s disease
- Heart conditions
- Anxiety or depression
- Multiple sclerosis
- HIV
- Obesity-related health concerns
Keep in mind, this isn’t a full list. Every insurer has their own criteria — what one provider considers a pre-existing condition, another might not.
GET MY FREE QUOTE NOWWhy Take Out Life Insurance?
Get a Clear and Free Quote Today at Thelifesupermarket.com. Our partners are here to help you understand your options without pressure.
Protecting Your Loved Ones is Important.
Life insurance is designed to help provide financial security for your family if the unexpected happens. We understand that losing a main earner can cause significant financial strain, and a policy can offer regular payments or a lump sum to help ease this burden during a difficult time.
Options to Suit Your Family’s Needs.
You might prefer a single lump sum payout, which can be used to manage significant expenses like paying off a mortgage, covering educational costs, clearing debts, or handling funeral costs. It’s important to be aware that the average cost of a funeral in 2024 was £9,797, and a lump sum could help with these costs. - Source: SunLife (2024)
Thinking About the Future? Life Insurance Can Help You Leave a Legacy.
Life insurance can also be a way to support your loved ones in the long term or contribute to a charitable cause that’s important to you.
How Much Does
Pre-Existing Life Insurance Cost?
Finding Affordable Protection that Works for You.
We understand that cost is an important consideration, and having a pre-existing medical condition doesn’t necessarily mean life insurance is out of reach. Many policies start from around £9.71 per month (based on the 2025 average).
- Source: iaminsured.co.uk (2025)
At Thelifesupermarket.com, our aim is partner you with an expert to help you explore suitable coverage options at a price that fits your budget.
Understanding What Influences Your Premium.
It’s important to know what can affect the cost of life insurance when you have a pre-existing condition.
Policy Type
Pre-existing life insurance policies with higher payout amounts or additional benefits may have higher premiums. Policies can also vary depending on your medical history and what’s included in the cover. Your expert will explain the options clearly, helping you make an informed choice that suits your needs.
Your Circumstances
Factors like your age, smoking status, lifestyle, and medical history can influence your premium. Whether you’re managing a long-term condition or have recently recovered from a health issue, our experts are here to help you compare options and find a policy appropriate for your individual situation.
Your Privacy and Security are Important to Us.
At thelifesupermarket.com, we are committed to protecting your personal data. As an Information Commissioner-registered company, we adhere to high standards of privacy and security to ensure your information is handled responsibly.
Regulated and Compliant:
We operate with full regulatory compliance, ensuring your information is handled with care and integrity.
Secure Data Storage:
All data is stored on secure servers utilising advanced encryption and protection technologies.
Your Data, Your Choice:
We will never share your personal information without your explicit consent, ensuring your details remain safe and secure.
We are committed to protecting your information while assisting you in finding a life insurance policy that meets your needs.
Pricing
Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 2nd February 2026.
†From £10 per month for up to £280,000 is an example based on the following pricing illustrations. £10 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.
£289,847 over 20 years
30 years old born in 1996
£173,440 over 20 years
35 years old born in 1991
£123,428 over 15 years
40 years old born in 1986
£81,616 over 15 years
45 years old born in 1981
£59,917 over 10 years
50 years old born in 1976
£34,029 over 10 years
55 years old born in 1971
£18,089 over 10 years
60 years old born in 1966
£11,689 over 10 years
65 years old born in 1961
£7,068 over 10 years
70 years old born in 1956
†From £5 per month for up to £90,000 is an example based on the following pricing illustrations. £5 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.
£98,704 over 20 years
30 years old born in 1996
£63,621 over 20 years
35 years old born in 1991
£48,288 over 15 years
40 years old born in 1986
£31,699 over 15 years
45 years old born in 1981
£23,483 over 10 years
50 years old born in 1976
£15,467 over 10 years
55 years old born in 1971
£7,844 over 10 years
60 years old born in 1966
£5,837 over 10 years
65 years old born in 1961
£3,532 over 10 years
70 years old born in 1956
Whole of Life
±£8 per month quoted rates are based on whole of life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.
£5,599 sum assured
30 year old born in 1996
£4,762 sum assured
35 years old born in 1991
£4,047 sum assured
40 years old born in 1986
£3,445 sum assured
45 years old born in 1981
£3,230 sum assured
50 years old born in 1976
£2,727 sum assured
55 years old born in 1971
£2,221 sum assured
60 years old born in 1966
£1,672 sum assured
65 years old born in 1961
£1,277 sum assured
70 years old born in 1956
Critical Illness
Life Insurance and Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.
£30,327 over 20 years
30 years old born in 1996
£21,237 over 20 years
35 years old born in 1991
£17,335 over 15 years
40 years old born in 1986
£12,920 over 15 years
45 years old born in 1981
£10,125 over 10 years
50 years old born in 1976
£7,287 over 10 years
55 years old born in 1971
£6,469 over 10 years
60 years old born in 1966