Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Originally posted: 23rd Feb 2024

Over the last few years, it’s become clear to everyone the importance of looking after our loved ones. It’s made us realise how precious life is and even spurred us on to think about our families after we’ve gone.

With financial pressure in the UK being higher than ever before, it’s even more important to have the right support and guidance when you apply for a policy like life or health insurance.

That’s why, we are teaming up with iam|INSURED, a leading provider of Life and Health Insurance solutions. This collaboration marks a significant step forward in our commitment to offering comprehensive services to our clients.

By joining forces with iam|INSURED, we aim to enhance our ability to meet the diverse needs of our customers, providing them with access to a wider range of insurance options and expert advice.

Together, we look forward to delivering unparalleled value and peace of mind to individuals alike, solidifying our position as trusted allies in safeguarding what matters most.

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Who are iam|INSURED?

iam|INSURED is the UK’s #1 rated pre-existing medical condition life insurance and health insurance specialist. Their mission is to make insurance policies affordable and accessible, so the best financial protection is available to everyone regardless of their health or medical history.

Founded in 2018 as a digital solution for life and health insurance, iam|INSURED help people with health conditions, find the best and cheapest life insurance policies and provides online guidance.

iam|INSURED works tirelessly to provide the most up-to-date information and guides to help UK consumers understand what policies are available to protect their families. They have 1,000s of expert guides about how the insurance application process works, and how to find the best cover to protect your family at a ‘fair price’.

The team at iam|INSURED are experienced financial services experts, with over 20 years’ experience. Their main goal is to find the best life and health insurance policies for every type of customer. They believe that having a medical condition, a high-risk job or a dangerous hobby shouldn’t be a barrier for customers to get fairly priced financial protection.

You can buy a range of policies through the iam|INSURED team, including term life insurance, whole life insurance, critical illness cover, income protection insurance and health insurance.

You can get in touch with the experts over at iam|INSURED by visiting their website.

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What do Customers say about iam|INSURED?

iam|INSURED are highly rated by their customers, with a perfect 5.0 out of 5.0 Star Rating on Feefo. They were recently awarded the Feefo Platinum Trusted Service Award for 2024. Here are some of their top reviews!

“Would recommend”

"Dean made the whole process of increasing my life and critical illness cover very easy. He also answered my questions even though I said ‘But what about this’ a few times. The whole process was very quick and I’m confident I’ve got the right cover for my family. We’ve recommended to my brother-in-law!"
“Friendly, responsive and clear”

"Friendly, responsive, reassuring at explaining stuff, got us a good price without all the faff of call centres and long holds with people that didn’t know answers to the more complicated questions we had."
“Fantastic and efficient service!”

"Dean was fantastic! Efficient and friendly, my cover was sorted in 20 minutes. I used iamINSURED after failing to get cover through a different broker and could not recommend them enough."
“100% would recommend to anyone”

"I found iam|INSURED after getting rejected from a lot of insurance providers for mortgage protection life cover, due to my BMI number… super helpful and found an affordable quote for me very quickly."
Relaxing On The Beach

More About Life Insurance for Pre-Existing Conditions

Life insurance is one of the easiest and simplest ways to provide financial protection for the people that you care most about in the event of your death.

iam|INSURED helps customers with varied backgrounds and medical histories find the right price and level of coverage for their life insurance policies. Below are examples of real customers who have bought policies through iam|INSURED to protect their children or mortgage.

Life insurance case studies

Applicant details Mr K. was born in July 1980 and is a smoker
Medical details and information Medical condition: Bipolar disorder (diagnosed in 2021)
Height and weight of applicant Height: 5’10” / Weight: 18st7
Level of cover needed Cover amount: £150,000
Budget: £30 per month maximum
Type of cover: Level term
Policy term: 20 years
Cost of monthly policy premium £28.97 per month
Guaranteed (fixed) monthly premiums. Mainstream insurance provider
Applicant details Miss C. was born in July 1989 and is a non-smoker
Medical details and information Medical condition: Crohn’s disease (diagnosed in 2018)
Has had one surgery and is treated with immunosuppressants
Height and weight of applicant Height: 5’16” / Weight: 9st
Level of cover needed Cover amount: £300,000
Budget: £30 per month maximum
Type of cover: Level term
Policy term: 30 years
Cost of monthly policy premium £26.19 per month
Guaranteed (fixed) monthly premiums. Mainstream insurance provider
Applicant details Mr K. was born in February 1980 and is a non-smoker
Medical details and information Medical condition: Type 2 diabetes (diagnosed in 2023)
Blood glucose reading of 48 Mmol
Height and weight of applicant Height: 5’17” / Weight: 15st
Level of cover needed Cover amount: £500,000
Budget: £100 per month maximum
Type of cover: Level term
Policy term: 20 years

Cost of monthly policy premium £89.90 per month
Guaranteed (fixed) monthly premiums. Mainstream insurance provider

Critical Illness Cover and Pre-Existing Conditions

Critical illness cover is a policy which will pay out a cash sum on diagnosis of a medical condition that is covered by your policy. The number of conditions covered will vary between providers, which is why it is useful to speak to an expert for help comparing quotes and policy features.

Critical illness insurance can be available for people with many types of medical conditions and iam|INSURED has helped hundreds of these customers find the perfect policies.

Income Protection Insurance and Pre-Existing Conditions

Income protection insurance will pay out a monthly income if you need time off work due to illness or injury. Many people with pre-existing conditions worry that this type of cover may not be available for them, but this usually isn’t the case.

An income protection specialist like iam|INSURED can explain your options for cover (e.g. short-term or long-term policies) and what may work best for you.

Family On The Beach At Sunset

Health Insurance and Pre-Existing Conditions

Many people with pre-existing conditions don’t think to buy health insurance, as they assume it will be too expensive. Health insurance for people with pre-existing conditions is constantly evolving, to offer better coverage and pricing.

There are a lot of different options with health insurance, which can be confusing when trying to compare policies. It is usually best to talk to a health insurance expert who can explain how these policies work and what cover might be available.

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Frequently Asked Questions

For insurance, there are two categories of pre-existing conditions which are conditions you have ‘ever had’ or conditions you have experienced symptoms of in the last 5 years.

When you apply for life or health insurance, you will be asked various questions about your health and medical history so the insurer can work out what coverage is available for you and what price they will offer.

For life insurance, you will also be asked about a family history of certain serious medical conditions (e.g. cancer, heart attack, stroke), so the insurer can assess the likelihood of you experiencing these conditions in the future.

Most insurers will focus on any medical conditions that you have had treatment for or experienced symptoms of within the last 5 years.

They will usually ask a few extra questions about any conditions that you disclose, to get a better idea of how this affects your overall health and lifestyle. This can include questions about treatments or medications, the date that you were diagnosed and how severe your symptoms are.

Life insurance won’t generally exclude claims for pre-existing conditions, provided you told your insurance provider you had the condition when you applied. You won’t need to tell an insurer that you have been diagnosed with any other conditions if the diagnosis happens after your policy is active.

Health insurance typically excludes pre-existing conditions until you've been symptom, treatment, and medication-free for an additional three or five years. Another option with health insurance is to choose full medical underwriting, which might help lower your premiums and control costs.

Need Life or Health Insurance Advice?

If you need help finding the perfect life or health insurance policy, visit iam|INSURED!

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