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- Same-day cover available†
Why Use TheLifeSupermarket?
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We partner with trusted UK insurers to give you a clear view of your options—all in one place.
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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.
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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 5th February 2025.
†From £10 per month for up to £300,000 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 5th February 2025.
£322,952 over 20 years
30 years old born in 1996
£197,619 over 20 years
35 years old born in 1991
£159,606 over 15 years
40 years old born in 1986
£92,280 over 15 years
45 years old born in 1981
£67,652 over 10 years
50 years old born in 1976
£37,971 over 10 years
55 years old born in 1971
£20,242 over 10 years
60 years old born in 1966
£12,368 over 10 years
65 years old born in 1961
£7,497 over 10 years
70 years old born in 1956
†From £5 per month for up to £100,000 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 5th February 2025.
£117,810 over 20 years
30 years old born in 1996
£75,745 over 20 years
35 years old born in 1991
£56,577 over 15 years
40 years old born in 1986
£35,960 over 15 years
45 years old born in 1981
£26,787 over 10 years
50 years old born in 1976
£17,018 over 10 years
55 years old born in 1971
£10,115 over 10 years
60 years old born in 1966
£6,181 over 10 years
65 years old born in 1961
£3,746 over 10 years
70 years old born in 1956
Whole of Life
Whole of Life cover quoted rates are based on level term life cover for non-smoker with no pre-existing medical conditions or other high risk factors. Individual factor and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may resule in you being declined. Correct as of 5th February 2025.
Up to £5,437 sum assured
30 year old born in 1996
Up to £4,624 sum assured
35 years old born in 1991
Up to £3,931 sum assured
40 years old born in 1986
Up to £3,345 sum assured
45 years old born in 1981
Up to £3,137 sum assured
50 years old born in 1976
Up to £2,655 sum assured
55 years old born in 1971
Up to £2,277 sum assured
60 years old born in 1966
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 of 5th February 2025.
Up to £30,753 over 20 years
30 years old born in 1996
Up to £22,278 over 20 years
35 years old born in 1991
Up to £18,353 over 15 years
40 years old born in 1986
Up to £13,425 over 15 years
45 years old born in 1981
Up to £10,171 over 10 years
50 years old born in 1976
Up to £7,100 over 10 years
55 years old born in 1971
Up to £4,805 over 10 years
60 years old born in 1966
