I N S U R E N
United Kingdom

Life Insurance for People with Pre-Existing Medical Conditions

If you have a medical condition, work in a high-risk job, or have some other situation that makes your circumstances unique, finding life insurance sometimes seems overwhelming during the underwriting process. People worry that they won't qualify for coverage at all, or if they find coverage, they will never be able to afford the premiums. At Clarity Compare, we believe that your health should not stop you from protecting your family.
This is why we have partnered with Pulse Insurance Limited; it is the only specialist provider geared to help you meet your life cover needs - in situations where normal insurers fail to assist.

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What Life Insurance Really Means

Life insurance is about protecting your family's future when you are no longer there to support them. If you pass within the period of the policy, your family would receive a tax-free lump sum to use as they wish. Some of the areas the funds could be used towards are:

  • 1. Paying off the mortgage
  • 2. Financial support for their everyday living

  • 3. Child education costs
  • 4.Paying any outstanding debts
  • 5. Funeral costs

It is more than just a policy - it is peace of mind, knowing your family will be financially supported when they need it most.

Common Challenges in Securing Life Insurance

Some medical conditions and health factors make accessing standard life cover more difficult, these include:

  • 1. Heart-related illness
  • 2. Cancer (past or present)
  • 3. Mental health conditions
  • 4. Higher Body Mass Index (BMI)
  • 5. Cystic Fibrosis

  • 6. Having had organ transplants
  • 7. HIV
  • 8. Long-term effects of COVID-19

Specialist providers like Pulse Insurance Limited work with people who experience the above factors to find them tailored policies.

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    Our friendly call centre agent will be giving you a call, to share an exclusive offer for you.





    The Increasing Demand for Specialist Life Insurance

    Living with a medical condition is more commonplace than many think, and it's changing the perception of life insurance.

    • There are over 15 million adults in the UK living with a long-term health condition (Nuffield Trust).
    • About 7.6 million people are living with heart or circulatory diseases (British Heart Foundation).
    • One in two adults in the UK will develop a cancer diagnosis in their lifetime (NHS).
    • One in four adults in the UK is currently living with obesity (NHS).

    With the above statistics in mind, we can easily see why there is a growing demand for specialist life insurance, which covers them specifically for their health conditions.

    Why Choose Clarity Compare?

    • Expert affiliations:- Gain access to providers who are experts in complex cases
    • Individualised policies:- Cover tailored to suit your personal health and lifestyle.
    • Peace of mind:- Educational financial security for your family, even in uncertain times.
    • Simple process:- Apply online and receive support from friendly advisors in the UK.