Income Protection with Pre-Existing Conditions
Direct Answer
Yes, you can usually get income protection with pre-existing conditions. Insurers may offer: standard terms (at higher premium), cover with an exclusion for your condition, or a longer deferred period. Conditions like diabetes, depression, or back problems don't automatically disqualify you. A specialist adviser can search the whole market to find options.
Common Pre-Existing Conditions and How They're Treated
Mental Health (Depression, Anxiety)
One of the most common conditions affecting IP applications. Options depend on severity and recent treatment.
- • Mild/historical: Often covered, possibly with exclusion
- • Current/severe: May need specialist insurer
- • Key factor: How recently you needed treatment
Back Problems & Musculoskeletal
Very common, especially among desk workers. Back-related exclusions are frequent.
- • Occasional pain: Usually covered with exclusion
- • Chronic conditions: May face higher premiums
- • Surgery history: Depends on recovery outcome
Diabetes
Well-controlled diabetes is often insurable. Type 1 and Type 2 treated differently.
- • Type 2 (well-controlled): Often covered with loading
- • Type 1: More limited options, specialist insurers help
- • Key factors: HbA1c levels, complications
Cancer History
Time since treatment and type of cancer are crucial factors.
- • 5+ years clear: Often available at higher premium
- • Recent treatment: May be postponed or declined
- • Some cancers (e.g., early skin cancer): Better terms
Your Options with Pre-Existing Conditions
| Option | What It Means | Best For |
|---|---|---|
| Standard Terms | Full cover at normal price | Minor/historical conditions |
| Exclusion | Your condition not covered | Keeps premiums affordable |
| Loading (Premium Increase) | Everything covered, higher cost | Full protection needed |
| Longer Deferred Period | Longer wait before payout | Reduces insurer risk |
| Postponement | Reapply after recovery period | Recent diagnosis/treatment |
Why You Should Always Declare Everything
Non-Disclosure = Claims Declined
Non-disclosure is the #1 reason income protection claims get rejected. Insurers request your full medical records when you claim. If you didn't mention something relevant on your application—even if you forgot—your claim can be declined.
Always mention everything, even if you think it's minor or irrelevant. Let the insurer decide what matters.
How a Broker Helps
- Market knowledge – We know which insurers are more favourable for specific conditions
- Pre-underwriting – We can get informal terms before formal application
- Application support – Help you present your medical history clearly
- Multiple quotes – Compare options from different insurers
- Claims support – Help if you need to claim
Frequently Asked Questions
Can I get income protection with a pre-existing condition?
Yes, in most cases. Insurers may offer standard cover, cover with an exclusion, higher premiums, or a longer deferred period. A specialist broker can find options suited to your situation.
Will my pre-existing condition be covered?
It depends. Some policies cover everything at higher premium. Others exclude your condition but cover everything else at standard rates. Both provide valuable protection.
Should I declare my pre-existing condition?
Absolutely yes—always declare everything. Non-disclosure is the top reason claims get declined. Even if you think a condition is minor, mention it.
Related Topics
Content reviewed: January 2026
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