Impaired life insurance is simply coverage designed for people with pre-existing or ongoing health conditions, risky occupations, or specific lifestyles that might pose as a higher insurance risk to insurers. It's there to offer tailored solutions that address individuals’ unique needs and circumstances. When identified as an impaired risk, your monthly premium will most likely be higher. The extent of the increase is influenced by your personal situation and the insurer.
Explore your options and secure a personalised quote that fits your needs. Take the first step by applying now at comparelifequotes.com
Individuals with pre-existing or ongoing medical conditions such as cancer, diabetes, obesity, HIV, heart conditions, mental health issues, and other health concerns may be classified as impaired risks for life insurance.
People in dangerous occupations like armed forces, police, fire service, offshore work, and other risky professions are considered impaired risks. This is because there's a higher chance of serious injury or death.
Participating in risky sports like rock climbing, sailing, motorsports, and wintersports for example may affect life insurance costs due to the higher risk of injury or death, particularly for sports professionals. Engaging in extreme hobbies such as snowboarding can impact your premiums, especially if these activities are a regular part of your lifestyle.
Life insurance can be affordable, with costs based on your age, health and the cover you choose.
** Example shown: Based on a 30-year-old non-smoker, you could get £175,000 level term cover for 30 years from £7.93 per month (£1.83 per week). Premiums are subject to underwriting and individual circumstances. Not all partners use the same insurers or products. Services may be advised or non-advised.
If you’re considered an impaired or high-risk applicant, the main difference will usually be in the cost of your monthly premium. How much it increases depends on your health condition, lifestyle, or occupation, as well as the insurer’s own criteria.
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Impaired life insurance is simply coverage designed for people with pre-existing or ongoing health conditions, risky occupations, or specific lifestyles that might pose as a higher insurance risk to insurers. It's there to offer tailored solutions that address individuals’ unique needs and circumstances. When identified as an impaired risk, your monthly premium will most likely be higher. The extent of the increase is influenced by your personal situation and the insurer.
Explore your options and secure a personalised quote that fits your needs. Take the first step by applying now at comparelifequotes.com
Individuals with pre-existing or ongoing medical conditions such as cancer, diabetes, obesity, HIV, heart conditions, mental health issues, and other health concerns may be classified as impaired risks for life insurance.
People in dangerous occupations like armed forces, police, fire service, offshore work, and other risky professions are considered impaired risks. This is because there's a higher chance of serious injury or death.
Participating in risky sports like rock climbing, sailing, motorsports, and wintersports for example may affect life insurance costs due to the higher risk of injury or death, particularly for sports professionals. Engaging in extreme hobbies such as snowboarding can impact your premiums, especially if these activities are a regular part of your lifestyle.
Life insurance can be affordable, with costs based on your age, health and the cover you choose.
** Example shown: Based on a 30-year-old non-smoker, you could get £175,000 level term cover for 30 years from £7.93 per month (£1.83 per week). Premiums are subject to underwriting and individual circumstances. Not all partners use the same insurers or products. Services may be advised or non-advised.
If you’re considered an impaired or high-risk applicant, the main difference will usually be in the cost of your monthly premium. How much it increases depends on your health condition, lifestyle, or occupation, as well as the insurer’s own criteria.
Frequently Asked Questions
Could my hobbies impact my life insurance?
Hobbies that are perceived to have a higher level of danger carry an increased risk of fatality and therefore an increased risk of a claim being made. This is why many insurers may charge more for individuals who partake in dangerous pastimes such as scuba diving, skydiving, or hang-gliding.
Could my profession impact my life insurance?
If you work in a high-risk occupation, such as being in the armed forces, a firefighter, a roofer, a pilot, or a deep sea diver, your life insurance premiums will most likely be higher. This is because these occupations are perceived to have a higher level of danger and therefore a larger level of fatal risk, increasing the likelihood of your beneficiaries making a claim.
Can I have more than one life insurance policy?
Yes, you can take out more than one life insurance policy. There is no legal limit to how many policies you can take out, and when you die it is possible for your beneficiaries to make a claim on each policy. An example of having more than one policy is having mortgage cover and family income benefit at the same time.
Pricing
Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 7th February 2025.
Cover from £10 Per Month
From £10 per month for up to £300,000 is an example based on the following pricing illustrations. £10 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 7th February 2025.
30 years old born in 1995
35 years old born in 1990
40 years old born in 1985
45 years old born in 1980
50 years old born in 1975
55 years old born in 1970
60 years old born in 1965
65 years old born in 1960
70 years old born in 1955
Cover from £5 Per Month
†From £5 per month for up to £100,000 is an example based on the following pricing illustrations.£5 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 7th February 2025.
30 years old born in 1995
35 years old born in 1990
40 years old born in 1985
45 years old born in 1980
50 years old born in 1975
55 years old born in 1970
60 years old born in 1965
65 years old born in 1960
70 years old born in 1955
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 20 Years
£175,000 level term Life Cover for 20 Years
£200,000 level term Life Cover for 20 Years
£225,000 level term Life Cover for 20 Years
£250,000 level term Life Cover for 20 Years
From £8 Per Month
Whole of Life
Whole of Life Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 7th February 2025.
30 year old born in 1995
35 years old born in 1990
40 years old born in 1985
45 years old born in 1980
50 years old born in 1975
55 years old born in 1970
60 years old born in 1965
From £10 Per Month
Critical Illness
Life Insurance and Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 7th February 2025.
30 year old born in 1995
35 years old born in 1990
40 years old born in 1985
45 years old born in 1980
50 years old born in 1975
55 years old born in 1970
60 years old born in 1965
Testimonials
"Securing life insurance was something I'd put off for too long. The process was straightforward, and now I have peace of mind knowing my family will be looked after. Thank you for making it so easy."
Lynn K
"I was unsure about the level of cover I needed, but the guidance I received was excellent. I now have a policy that fits my circumstances perfectly, and it's a weight off my shoulders."
Alan S
"Finding affordable life insurance seemed like a challenge, but I was pleasantly surprised by the options presented to me. I feel much more secure knowing this is in place."
Lou G
"The application process was quick and efficient. I appreciated the clear explanations and the lack of complicated jargon. It was a simple way to protect my loved ones' future."
Paul M
"I'd been meaning to get life insurance for years, and I'm so glad I finally did. The service was professional, and I feel confident in the policy I now have."
Graham F
"As a new parent, life insurance became a priority. The options available were comprehensive, and I found a policy that gives me real security for my family's future."
Brad J
"I was a bit hesitant about the whole thing, but the team made it easy to understand and helped me find the right level of cover without any pressure. I'm very satisfied."
Dave C
"Getting life insurance felt like a responsible step, and I'm glad I chose this service. The process was smooth, and I feel much better prepared for the future."
Hannah G
"I wanted to ensure my partner was protected, and the policy I found gives me that reassurance. The whole experience was positive and hassle-free."
Mick D
"Sorting out life insurance was on my to-do list for ages. I'm so pleased I finally got it done. The process was simple, and I feel a great sense of relief knowing my family is secure."
Victoria S