'High Street' types of insurers will generally will not provide life assurance that includes a pre-existing medical condition. You need a specialist policy that is available through us.

This kind of policy is relevant for people who may have, for example:diabetes, heart conditions, hepatitis, cancer, HIV/AIDS, lupus syndrome, Marfan syndrome, weight problems, depression, high blood pressure (hypertension), and respiritory disorders. However, please note: the policy is intended for residents of the European Union only.

There are five types of policy available. Clicking on the following links will open up information about each, in a separate window:

• Level term life assurance
• Decreasing term life assurance
• Whole of Life cover
• Family Income Benefit
• Gift Inter Vivo

The information in these guides is provided as an illustration only and is as accurate as possible.

An indicative quotation will normally be obtained for you within a matter of days without the need for a medical. If the indication is acceptable to you, the Underwriters will then ask for permission ton contact your doctor. Final acceptance terms may then be offered.

The are examples of medical conditions which we may be able to include in a life assurance policy:

Cancer

Diabetes

Hepatitis

Heart conditions

HIV

If you have any other medical conditions, please complete the application form by clicking here.