Life Insurance - Cover for your condition(s)
Pulse Insurance specialise in finding Life Insurance and other covers for those with medical conditions.
Our customers have usually been declined Life cover by other insurers or can’t find the cover they need.
Our team offer you friendly and professional help backed by years of experience and expertise.
We like to think if cover is available, we will find it for you.
Please choose your medical condition:
Pulse offer dedicated information about many specific conditions which can make finding life insurance difficult.
Pulse specialise in finding cover when your medical condition(s) see other insurers decline to quote.
Please answer accurately and contact us if you are at all unsure.
If your condition is not listed please use our contact form to give us details of your condition and the cover you are looking for.
- Acoustic Neuroma (vestibular schwannoma)
- Addison’s Disease
- After Amputation / Limb Loss (of use)
- Alcoholic Hepatitis
- Alcoholism
- Anaemia
- Angina
- Angioedema
- Ankylosing Spondylitis
- Anorexia Nervosa / Bulimia / Low BMI (<18)
- Anxiety Disorders (and GAD)
- Any other condition / non-specific / unlisted Illness
- Aorta / Aortic valve Defects
- Asperger’s Syndrome
- Asthma
- Atrial & Ventricular Septal Defects
- Atrial Fibrillation / Atrial Flutter
- Auto-Immune Diseases
- Auto-Immune Diseases
- Back Pain
- Barrett’s Oesophagus
- Basal Cell Carcinoma (or non-melanoma skin cancer)
- Behcet’s Disease
- Bell’s Palsy
- Bipolar
- Bladder Cancer
- Blood Cancer(s)
- Blood Disorders
- Bone & Connective Tissue Cancer
- Borderline Personality Disorder (BPD)
- Bowel Cancer
- Bradycardia
- Brain Cancer
- Breast Cancer
- Bronchitis (Chronic)
- Cancer / Tumour
- Cancer of the Womb or Fallopian Tubes
- Cardiomyopathy (all forms – DCM, ARVC, etc.)
- Cerebral Palsy
- Cervical Cancer
- Cervical Spondylosis
- Chronic Fatigue Syndrome (CFS or ME)
- Chronic Kidney Disease (CKD)
- Chronic Myelogenous Leukemia
- Chronic Obstructive Pulmonary Disorder (COPD)
- Coarctation of the Aorta
- Coeliac’s Disease
- Colon / Colorectal Cancer
- Common Variable Immunodeficiency Disorder and others
- Coronary Angioplasty
- Covid, Long Covid and Life Insurance
- Crohn’s Disease
- Cystic Fibrosis
- Deafness
- Deep Vein Thrombosis (DVT)
- Depression
- Dermomyositis
- Diabetes Insipidus
- Diabetes Type 1
- Drug Use
- Dystonia (Cervical, Blepharospasm, etc.)
- Ear Cancer
- Ebstein’s Anomaly
- Ehlers-Danlos
- Emphysema
- Epilepsy
- Eye Cancer
- Familial Spastic Paraplegia (FSP)
- Fatty Liver Disease
- Fibromyalgia
- Gastric Bypass
- Gastrointestinal Disorders
- Gestational Diabetes
- Gout
- Grave’s Disease
- Gynaecological Disorders
- Haemochromatosis
- Haemophilia
- Heart Attack
- Heart Conditions
- Hepatitis A
- Hepatitis B
- Hepatitis C
- Hepatitis D
- Hepatitis E
- High Blood Pressure (Hypertension)
- High Cholesterol (inc. Hypercholesterolemia, Hyperlipidemia)
- HIV (human immunodeficiency virus)
- Hodgkin’s Lymphoma
- Huntington’s Disease
- Hyperglycemia (High Blood Sugars)
- Hyperhidrosis
- Hypermobility Syndrome
- Hypertension
- Hypertrophic Cardiomyopathy
- Hypochondria
- Hypoplastic Left Heart Syndrome
- Hysterectomy
- IBS (Irritable Bowel Syndrome)
- Idiopathic Spastic Paraplegia (ISP)
- Inflammatory bowel disease (IBD)
- Insomnia
- Iron Deficiency Anaemia
- Ischaemic Heart Disease (or Coronary Heart Disease)
- Kidney Cancer
- Kidney Transplant
- Labyrinthitis
- Laryngeal Cancer
- Left Branch Block
- Leukaemia
- Life Insurance for Diabetes and Diabetics
- Life insurance with High BMI, Overweight
- Life Insurance with Mental Health Conditions
- Liver Cancer
- Liver Disease
- Liver Transplant
- Lung Cancer
- Lupus (including SLE / Nephritis)
- Lymphoma
- Marfan Syndrome
- Melanoma (Skin Cancer)
- Meniere’s Disease
- Metabolic Syndrome
- Migraines
- Mitral Valve Defect
- Monoplegia
- Multiple Sclerosis (MS)
- Musculoskeletal Conditions
- Myelodysplasia / Myelodysplastic Syndrome (MDS)
- Myeloma
- Myocardial Infarction
- Myositis
- Neurofibromatosis Type 1
- Neurofibromatosis Type 2
- Neurological Disorders
- Non-Hodgkin’s Lymphoma
- Obesity
- Obsessive Compulsive Disorder (OCD)
- Oesophageal Cancer
- Oral Cancer
- Osteoarthritis (OA)
- Ovarian Cancer
- Overactive Thyroid
- Palsy
- Pancreatic Cancer
- Panic Attacks
- Paraplegia
- Parkinson’s Disease
- Phobia (e.g. Agora-, Acro-, Claustro-, etc,)
- Pituitary Gland Disorders
- Polycystic Ovary Syndrome
- Polymyalgia Rheumatica
- Polymyositis
- Post Traumatic Stress Disorder (PTSD)
- Prader-Willi Syndrome (PWS)
- Prostate Cancer
- Psoriatic Arthritis
- Psychotic Episodes
- Pulmonary artery, valve and vein defects
- Pulmonary Embolism
- Pulmonary Valve Stenosis
- Quadriplegia
- Retinitis Pigmentosa
- Rheumatoid Arthritis (RA)
- Right Branch Block
- Sarcoma (Benign)
- Sarcoma (Malignant)
- Schizophrenia (and related disorders)
- Self-Harm
- Sickle Cell Anaemia
- Skin Cancers
- Sleep Apnoea (OSA or Apnea)
- Spinal Cancers
- Stomach Cancer
- Stress
- Stroke (CVA)
- Structural / Congenital Heart Disorder
- Strumpell-Lorraine Syndrome
- Tachycardia (atrial, postural, -ventricular)
- Testicular Cancer
- Tetralogy of Fallot
- Tetraplegia
- Thalassaemia
- Thrombosis & / or Atherosclerosis
- Thyroid Cancer
- Thyroid Disease
- Tinnitus
- Transient Ischaemic Attack (TIA)
- Transposition of the Great Arteries
- Tricuspid Atresia
- Triplegia
- Truncus Arteriosus
- Turner’s Syndrome
- Ulcerative Colitis
- Underactive Thyroid
- Urinary Tract Infections (UTI)
- Uterine Cancer
- Venous Thromboembolism (VTE)
- Vitamin B12 Anaemia or Folate Anaemia
- Vitiligo
- Von Willebrand Disease
Pulse Insurance specialise in Life Insurance and more for those with medical conditions which make finding cover more difficult. We offer you friendly and professional help to find the cover that is desired.
Many insurers may decline to quote for Life Insurance where a person has serious health issues which may affect their lifespan. Some insurers may try to exclude cover for your conditions!
This can make it difficult, for the very people who fear they may not live as long, to provide the kind of peace of mind and financial safety net they want and that their loved ones need.
Pulse work closely with specialist life Underwriters at Lloyd’s of London and other specialist insurers to arrange such cover. The policy premium required may be higher, sometimes significantly higher, but fairly reflecting the increased risk of those with the most serious conditions.
We know that getting and early idea if you can be covered and what kind of premium costs is involved is important. You can begin by reviewing the dedicated details about your condition(s) on this website.
If you want to enquire about cover, you can do so online or by downloading and completing an enquiry form or calling us if you need any help.
Every enquiry including the details you provide about your Medical Condition(s) is reviewed by an expert underwriter.
We usually give an indication of premium and cover availability within 5 days.
Our policyholders tell us that it is really important to learn the availability of cover and to get an idea of price quickly.
It can be but is not always necessary for us to seek a Doctor’s report or for you to undergo medical examinations, blood tests and other tests that will confirm your health to allow our underwriters to quote a fair and accurate premium and confirm cover details. These tests are paid for by the underwriter, if you take out the policy.
Examples of policies we have arranged
Mortgage Protection
- UK Insured with an Alcohol issue
- Life including Terminal Illness Cover
- £72,300 sum assured
- over 15 Years
- £206.88 Annual Premium
Mortgage Protection
- UK Insured with an Anxiety Disorder
- Single Life
- £119,000 sum assured
- over 10 Years
- £420.00 Annual Premium
- Mortgage Protection
- UK Insured after a Brain aneurysm
- Life including Terminal Illness Cover
- £337,824 sum assured
- over 21 Years
- £1,602.96 Annual Premium
- Mortgage Protection
- UK Insured after Cancer
- Life
- £154,385 sum assured
- over 31 Years
- £480.00 annual premium