If I have a bad back can I still get cover?

Permanent health insurance would allow you to be able to obtain such cover in these circumstances. However, you would have to declare this when taking out the cover this would likely mean that there would be an exclusion on your policy. This would mean that the provider of the insurance policy would probably not pay out on a claim if it is directly attributable to the existing back problem. They will pay out for other unrelated conditions. The reason for this is that back problems account for most of the long term sickness claims made on Income protection policies.

Some providers will cover the back problem, and not make any exclusion on the policy at all, however they will probably add a loading to your premium, as they see you as a higher risk individual than average, and more likely to make a claim on the policy. This is because if you have had problems with you back in the past, then your back may have been weakened, and anything simple in the future could put it out again i.e. lifting items or any minor fall.

The salaried staff from Endsleigh Financial Independent Tailoring can offer much more detailed advice on existing health issues and how they would affect your ability to get . As we do not pay our staff commission on the products that they sell we are able to offer you a truly independent whole of market service.

We want to help to save you both time and money by searching the products available within the UK market for you, finding the most suitable product for your circumstances.

This Permanent Health cover comparison service is free (unless you opt to pay a fee for our advice). Click here to speak to an independent financial adviser about permanent health insurance.