Call us
01242 697821

Blogs

Keep up to date with the latest news and our guides on all things mortgages. 

Myth busting: Conditions Brits don’t think are insurable

Many Brits assume certain health conditions make you uninsurable. But in reality, there are few illnesses that automatically disqualify you from getting life, health, or disability insurance in the UK. Here are some common myths:

 

Cancer: One myth is that a cancer diagnosis makes you uninsurable. For some cases of remission, it would most likely be classed as a pre-existing condition, and for newer cases you may have to answer some difficult questions. Insurers will need to do this to decide whether they are able to offer you a policy, and how much it will cost. – It isn’t a straight no though!

Mental illness: Contrary to belief, most mental health conditions like depression, anxiety, ADHD or bipolar are not automatic declines. As long as your illness is controlled through NHS treatment and you have no recent hospitalisations, you can likely get covered.

HIV/AIDS: Thanks to amazing treatment advances, HIV/AIDS is no longer the death sentence it once was. Many UK insurers now offer standard or slightly rated policies to HIV+ applicants if their viral load is suppressed through NHS treatment.

Diabetes: Both Type 1 and Type 2 diabetes are very insurable, as long as your condition is well-managed through NHS care. No more automatic declines just for having diabetes.

Heart conditions: Having a heart condition doesn't make you uninsurable. Even serious conditions like prior heart attacks, bypass surgery, arrhythmia and more can get covered with proper NHS treatment. Premiums may be higher.

The key is proper health management of your condition. Being upfront about your medical history will help your insurer accurately evaluate your unique situation. Work with an independent broker who can shop around for policies to get you the most suitable deal.

The days when certain illnesses meant you couldn't get insured at all are over. Today's medical underwriting is much more sophisticated. Don't assume you can't get covered - explore your options first.

If you or someone you love has a health condition,
speak to us about the insurance options available

SPEAK TO AN ADVISER

Related

Financial New Years’ Resolutions

Financial New Years’ Resolutions

2022 undoubtedly wreaked havoc with many of our finances with the cost-of-living expenses rising and...

Read More >
Debt consolidation following Christmas spending

Debt consolidation following Christmas spending

Budgets this year are significantly tighter, and many will have turned to borrowing via credit cards...

Read More >
Enjoying Summer on a tight budget

Enjoying Summer on a tight budget

For those on a tight budget, the idea of enjoying Summer activities may seem daunting. But fear not!...

Read More >
Why get health insurance?

Why get health insurance?

We all know that the NHS is a vital safety net for people who need medical treatment. However, in so...

Read More >
How can I save money with my health?

How can I save money with my health?

Are you looking for some extra support with your health? There are options to help you save money wi...

Read More >
Mortgage Payment Holiday – How does it work?

Mortgage Payment Holiday – How does it work?

To support those who are having difficulties in making their monthly mortgage payments, a mortgage p...

Read More >

What our clients say...

Latest Blog

Five easy ways to save money this festive season

The festive season can bring all sorts of financial stress. But with these tips, we hope you can tak...
Read More

With insurance premiums on the rise, is your policy up to date?

With insurance premiums increasing, it’s a great time to review your policy. Did you know that if y...
Read More

How much equity can I release with a lifetime mortgage?

A lifetime mortgage is a type of equity release. In simple terms, it’s a loan secured against the v...
Read More

Unlock extra benefits with your health insurance

Let’s dive into unlocking extra private health insurance benefits. Such as a second opinion on a ma...
Read More

Income protection to benefit the whole family

Income protection is a policy that will cover you financially if you can’t work due to sickness, in...
Read More

Myth-busting mortgage hurdles

Here are common mortgage myths debunked to help you navigate the home-buying process confidently. Ch...
Read More

How can I save money with my health?

Are you looking for some extra support with your health? There are options to help you save money wi...
Read More

I’m renting - is insurance important?

If you are asking yourself if you need insurance while renting. The answer is yes! Think about every...
Read More

Do you need joint life insurance?

Have you ever wondered whether you and your partner should be on one single life insurance policy? O...
Read More

Should you use equity release to pay off your mortgage?

Should you use equity release to pay off your mortgage? Are your repayments stopping you from saving...
Read More


Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


  • Back to top