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If you have a pre-existing medical condition, you should still be able to get life insurance, but you may have to compare your options online. If you have a more complex condition and find it difficult to get a price online, a broker or consultant, like our partner LifeSearch, can help you find a supplier who will cover you. You will most likely need to share additional medical information and copies of any tests with the provider to help them understand the risk level of your condition. You will be asked to sign a medical release form and the insurer will then request this information from your doctor. You can end up paying more because of this risk. But it is important to declare any pre-existing medical conditions when taking out a life insurance because, otherwise, the insurer can refuse to pay for any claim.