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Why are policies more expensive for pre-existing medical?

Insurers have found that clients with existing health conditions are a higher risk. With an increased likelihood of paying out, to mitigate the risk they charge a higher premium.


Insurers calculate the price of your monthly premiums based on how likely you are to make a claim. In addition, some insurers will only accept low-risk applicants. Fewer insurers mean less competition and higher premiums. Whilst this is the case the best resolution is to compare the market with our advisers. To ensure you get the best life insurance policy for your circumstances.

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