[GAMO]

Any recommendations for reasonably priced life insurance with a diagnosed medical condition? Seams like most wont insure or hike the prices up to unaffordable levels.

Thanks in advance

Topic

[kezo]

You probably also have your age, as well as you medical condition going agains’t you = expensive policy price $$

You got the likes of Sun Life however they aren’t all they are made out to be!

[Peter (Original)]

@GAMO

Another option is, as @kezo suggests, to go for an over 50’s policy, which is what I did due to numerous health issues.  No medical questions and a guaranteed sum paid out on death.  Usually there’s a 1 or 2 year qualifying period before pay-out, unless death is accidental. In that case they pay 1.5 x premiums paid.

I went with Shepherds Friendly via a company called Cavendish Online.  Shepherds had the best guaranteed values and going through Cavendish got me 4 equal cashback payments of £74 each, spread over 32 months ( 8 months before each).  I think I paid Cavendish a fee of £25 to set the policy up.

As @kezo says, you need to look at the costs and returns carefully but in some cases (like mine) these over 50’s policies can be reasonable.  Just do your homework first.

[GAMO]

ok cheers. will be sure to check them out.

[Author]

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