Having a pre-existing medical condition doesn’t mean you can’t get life insurance. While some insurers may increase premiums or apply exclusions, there are still providers who will offer cover.

​

At Covermate Life, we help Australians with medical histories secure protection for their families. As brokers, we know which insurers are more flexible and can guide you to the right option.

​

What Are Pre-Existing Conditions in Life Insurance?

A pre-existing condition is any health issue you had before applying for life insurance. Insurers review your medical history to assess risk, and each has its own rules.

​

Examples include:

• Diabetes

• Cancer history

• Heart disease or high blood pressure

• Asthma or sleep apnoea

• Mental health conditions such as depression or anxiety

• Lifestyle factors like smoking or obesity

​

Can I Still Get Life Insurance with a Pre-Existing Condition?

Yes – but outcomes depend on:

• The type of condition

• How well it’s managed

• How different insurers assess risk

​

Some providers may charge higher premiums or exclude certain conditions. Others may offer standard terms. That’s why using a broker matters: we compare insurers to find the best fit for your health and budget.

​

Common Conditions We Help With

We regularly help clients secure cover with:

• Diabetes – Type 1 & Type 2, depending on control.

• Cancer history – varies by type, stage, and remission period.

• Heart conditions – heart attack, stents, high blood pressure or cholesterol.

• Mental health – anxiety, depression, PTSD.

• Respiratory issues – asthma, sleep apnoea.

• Other factors – obesity, smoking, hepatitis, HIV.

​

How Covermate Life Helps

• We compare multiple insurers, not just one.

• We understand how underwriting works for different conditions.

• We save you time, improve approval chances, and can reduce costs.

• We provide general advice only and help you choose a policy that fits your situation.

​

Frequently Asked Questions

Can I get life insurance after cancer?
Yes. It depends on the cancer type, remission period, and current health. Some insurers may require a waiting period, others may cover after a set time cancer-free.

​

Does life insurance cover mental health conditions?
Often yes. Approval depends on the condition, severity, and treatment history. Some exclusions may apply.

​

Will my premiums be higher with diabetes?
Possibly. Insurers assess whether you are Type 1 or Type 2, how controlled your condition is, and if there are complications. Some providers are more flexible.

 

What if one insurer declines my application?
Being declined by one doesn’t mean you can’t get cover. Each insurer has different rules. As brokers, we know which providers are most likely to accept.

​

Next Step

If you have a pre-existing condition and want life insurance, contact Covermate Life. We’ll help you compare policies and find the right solution.