Can I Get Life Insurance With a Pre-Existing Condition? Spirit Says Yes

Health hurdles - diabetes, cancer history - don’t mean no cover. In 2023, 96.7% of UK claims paid, many with conditions ABI, 2023. Spirit Cover tailors plans with trusts and extras like Physio Support, no matter your past. Here’s how we roll.

The Process

Tell us your health story:

  • Common Issues: Diabetes adds £10-£20/month to £100,000 Statista, 2024.
  • Big Stuff: Cancer history might double rates - or get a no elsewhere.
  • Spirit finds a fit, even over-50s no-exam (£20-£30 for £10,000 Finder UK, 2020).

Spirit’s Difference

We say yes, plus:

  • Trusts: Free, tax-free payouts HMRC, 2023.
  • Benefits: GP 24/7, Mental Health Support - care for you too.

£50/month for £150,000 with hypertension? Spirit matches it, adds value.

Let’s Sort It

Don’t guess. Share your story, and your Spirit advisor will build it - honest, tailored, packed with care. It’s your cover, no barriers.

Get Started