Can I still take out life insurance if I have a pre-existing condition?

In truth, it can be difficult to find affordable life insurance if you have a pre-existing medical condition, especially a serious one.

Some insurers will just turn you down outright, while others might exclude the condition itself. For example, if you had diabetes you might find yourself with a policy which wouldn’t pay out if you died from the disease.

You would be covered if your death was not related to your condition, or could be proven not to be.

Nevertheless, there are a number of specialists who offer life insurance to those with pre-existing conditions, but you must be prepared to pay higher premiums because of the high risk of a claim.