What Is a Pre-existing Condition?
A pre-existing condition is an ailment, illness or condition (e.g. diabetes, cancer, heart disease), which occurred at any time before applying for life cover.
Can I get Life Cover with Pre-existing Condition?
You will have to provide the insurance company with your health history and a list of medication you currently take. It is crucial to provide true and honest answers to all medical questions asked. The Insurance company may write to your GP for additional information and/or a medical examination or nurse screen could be required. Depending on the information provided and received, the insurer could offer special terms which include an increase to the premium initially confirmed, postponement of cover for a period of time or offer a decline. At Jigsaw, we source the most competitive premium on the market and guide you through the entire process.
Why could the premium be increased?
They may offer ‘special terms’ which means the premium has been increased for a specified reason based on information provided. This would depend on severity of your condition. The insurer will advise the reason for the special terms and can provide an explanation to your GP on request.
If you have a Pre-existing Condition & would like to discuss your options, please contact Jigsaw Financial Solutions Ltd. We have been included in the register of Brokers who have experience and knowledge in this area – ‘Brokers Advising on Life Cover – For Clients with Pre-Existing Illnesses’ by Brokers Ireland.