How to Arrange Mortgage Protection Insurance with a Pre-Existing Condition

1. Be Honest and Upfront in Your Application

The most important thing you can do when applying for MPI is to be fully transparent about your medical history.

"Disclosing your full medical history-even if you're unsure whether something is relevant—is essential. Omitting details can delay the process or even lead to non-payment of a claim should the worst happen," explains Tania.

Providing accurate information ensures underwriters can make a fair assessment of your application. In some cases, insurers may request additional information from your GP or arrange a medical exam.

2. Understand How Your Condition Affects Underwriting

Different pre-existing conditions are assessed differently. Some conditions may have little to no impact on your application, while others could require further review or additional medical evidence.

"We often find that clients worry unnecessarily," Tania says. "Many common conditions like asthma, high blood pressure, or anxiety can be accepted with standard terms or minor loadings or adjustments in premiums and or cover."

Our Expert’s tip: Under a new code of practice, some insurers will no longer automatically decline mortgage protection cover for applicants who have had a previous cancer diagnosis. The code provides for a cancer survivors’ ‘Right to be Forgotten’, meaning insurers will disregard a cancer diagnosis where treatment ended more than seven years prior to their application or more than five years if the applicant was under 18 at the time treatment ceased.  However, any application is subject to the individual insurer’s acceptance criteria.

The key is understanding how insurers assess risk. A broker or financial adviser can help interpret what an insurer needs and what the likely outcomes might be.

3. Accessing Mortgage Protection Insurance   

Did you know that you are not obliged to buy MPI from your lender? Working with a financial adviser who has experience placing policies for clients with pre-existing conditions can make a huge difference. Financial advisers know which insurers are more flexible when it comes to specific conditions and can guide you to the best options available in the market.

This can also help reduce the chances of delays or declined applications.

4. Be Prepared for Additional Requirements

Depending on your pre-existing condition, an insurer may ask for:

• A medical report from your GP and/or
• Results of recent tests or check-ups and/or
• A medical exam arranged by the insurer to be carried out.

This is a normal part of the process and shouldn’t cause concern.

"It’s not unusual for an insurer to request more information to make a confident decision," Tania notes. "These steps help ensure the policy / cover takes into account any pre-existing condition disclosed making sure there are no issues should a claim have to be made against the policy in the future."

5. Don't Delay, Start the Process Early

If you're planning to buy a home or switch mortgage providers, it’s a good idea to begin arranging MPI as soon as possible. This is especially important if you know you have a medical history that might need extra information / documentation.

"Starting early gives the insurer the time needed to gather any medical reports required or arrange medical exams without delaying the mortgage drawdown," says Tania.

Having your protection in place gives both you and your lender peace of mind.

Applying for MPI with Pre-Existing Conditions

Applying for Mortgage Protection Insurance with a pre-existing condition might feel daunting, but with the right approach, it's absolutely manageable. The key is transparency, preparation, and getting the right guidance from experts who understand the process.

If you're unsure where to begin, consider speaking with an Aviva Direct Financial Advisor. We can provide the clarity and confidence you need to move forward. Your home is probably the biggest financial commitment you may make – so make sure your home and family are protected.

Mortgage Protection Insurance with Pre-Existing Conditions: Frequently Asked Questions

1. Can I get mortgage protection insurance if I have a pre-existing condition?

Yes, many people with pre-existing conditions are accepted by insurers for cover. Depending on your condition and how it's managed, you may receive standard terms, a premium loading, or in some cases, a postponement or decline. Each application is assessed individually by the insurer.

2. What counts as a pre-existing condition?

A pre-existing condition refers to any illness, injury, or diagnosis you've had prior to applying for cover. This can include conditions like asthma, diabetes, high blood pressure, or mental health concerns—even if they are currently well-managed.

3. Will I need to undergo a medical exam?

Not always. In some cases, insurers may request a GP report, but sometimes it might be necessary for a medical exam to be completed to better understand your condition. This is a standard part of the underwriting process and helps ensure that the policy / cover offered takes this into account.

4. What if I’ve already been declined by another insurer?

Being declined once doesn't mean you won’t be accepted elsewhere. Different insurers have different underwriting criteria. A financial advisor can help you find an insurer more suited to your individual needs and circumstances.

5. Can my lender approve my mortgage if I’m uninsurable?

In some cases, if you can provide proof that you’ve applied and been declined by multiple insurers, your lender may consider waiving the MPI requirement. This decision is made at the lender’s discretion.

6. How long does the process usually take?

If no additional medical information is needed, approval can be quick – sometimes within days. However, if a medical report or medical exam is required, it may take a few weeks, so it’s best to start the process early.

7. Can I switch providers later if my condition improves?

Yes, you can review your cover at any time. If your health has improved, you may be eligible for better terms. Just make sure your new policy is in place before cancelling the old one.