Can I Get Life Insurance With A Chronic Illness?

There may be a few reasons why you don’t have life insurance right now, but having a chronic illness shouldn’t be one of them. 


We understand that having a chronic illness can be the source of a great deal of stress for you. Not only are you concerned about your health, but you may also be concerned about your future. You may be relieved to know then, that while having a chronic illness can get in the way of you doing some things, it won’t get in the way of you helping to protect your family’s future.


While the amount of cover you can get could be limited, you do have plenty of options. Taking the first step is the most important part of the process.


How can I get Life Insurance with a chronic illness?


Our policies are designed to help different people because we understand that no two people are the same. We also understand that everyone’s health is different and it can be a sensitive topic. So it's important to know what kind of questions you could be asked. 


With our Guaranteed Life and Personal Accident Insurance, you won’t need to answer any questions about your health. You won’t have to provide a medical either. 


Guaranteed Life Insurance with Smart


We understand that you want the best for your loved ones. This life insurance is quite straightforward. As long as you are a UK resident and are aged between 30-80 you can apply. You can select a benefit amount between £2,000 and £20,000 depending on your age. 


There are no medical questions whatsoever or questions about your job. This life insurance can even be set up online. So even if you suffer from a chronic illness, you could get straightforward cover with Guaranteed Life Insurance


There are a few things to bear in mind with this policy. You are covered for accidental death immediately. Yet, you won’t be covered for death by any cause until after 24 months. 


Smart Personal Accident Insurance


Accidents can happen all the time. According to statistics, in the UK approximately 6000 people die in accidents in the home*. We understand that you want to be able to protect yourself no matter what you’re suffering from. Smart Personal Accident Insurance covers serious injuries or death as a result of an accident. 


As long as you are living in the UK and are aged between 18-69 you are guaranteed acceptance. That means no health questions or medicals. Depending on your age you can choose cover from £30,000 up to £500,000. 


Get on Top of Things with Smart Insurance


We understand that getting life insurance can be an intimidating process, especially if you are suffering from a chronic illness. The important thing to remember is that you can get life insurance with a chronic illness. There are options there for you, even if you’re in a tricky situation. 


* Source: Taken from the Royal Society for the Prevention of Accidents, November 2019