Finally. Life Insurance Without The Medical Questions
Andy Stevens, co-founder of More Than Cancer - UK guaranteed life insurance specialist, helping people with cancer and health conditions get covered
Editorial Promise: We review and update our cancer insurance information every 90 days to ensure accuracy. All pricing and eligibility criteria verified with MetLife on 24th September 2025.
Next Review: December 2025
Quick Answer
Yes, you can get guaranteed life insurance with cancer or any health condition. No medical questions, guaranteed acceptance for UK residents aged 18-55, with up to £100,000 life cover, optional cancer cash benefits, and accident & sickness protection.
Regulatory Information - Key Facts
- Cover type: Guaranteed Life Plan (Hive Insurance)
- Age: 18-55, UK residents only
- Life cover: up to £100,000
- Cancer cash: up to £30,000 (optional)
- Monthly income: up to £1,500 (optional)
- No medical questions whatsoever
- Pre-existing conditions excluded for 2 years
Important: Different from traditional underwritten life insurance
Getting Life Insurance with Health Conditions - Why It Feels Like An Endless Rejection
You have applied for life insurance. Maybe you have cancer. Maybe it is your heart. Perhaps diabetes, mental health challenges, or multiple conditions.
The result is always the same. Declined. Or quoted premiums so high they might as well have said no.
First, it was the online quote that seemed promising. Until question 47 about your medical history.
Then the phone call with an underwriter who asked increasingly invasive questions about hospital visits, medications, and prognosis. You answered honestly. They thanked you for your time.
The letter arrived a week later. "Unfortunately, we are unable to offer cover at this time."
By the fifth rejection, the message was clear: the insurance industry has decided you are too much of a risk.
The Insurance Maze That Makes No Sense
You are told life insurance is essential. "Protect your family," they say. "Do not leave them with debt," they warn.
But when you need it most - when your health makes that protection urgent - suddenly you are locked out.
The irony burns. You are willing to pay more. You just want the same financial protection everyone else takes for granted.
Your family's security should not depend on your medical records.
Why More Than Cancer Also Offers Guaranteed Acceptance Life Insurance
We are Luke, Sam, and Andy. When we started More Than Cancer, we focused on helping cancer patients find specialist life insurance.
But we kept meeting people who needed something different. People whose conditions or circumstances meant even specialist insurance was not possible.
We could not just shrug and send them away.
That is why we partnered with Hive Insurance to bring you the Guaranteed Life Plan.
No medical questions. No GP reports. No blood tests. No declinations.
If you are a UK resident aged 18-55, you are in. Your health conditions do not matter. Your medical history is irrelevant.
Life Insurance Benefits - Real Protection When Others Say No
How Much Life Insurance Can You Actually Get?
Level 1
£50,000
£15.95/month (non-smoker)
£35.40/month (smoker)
Level 2 - Most Popular
£75,000
£22.75/month (non-smoker)
£51.89/month (smoker)
Level 3
£100,000
£29.55/month (non-smoker)
£68.37/month (smoker)
Fixed premiums. They will not increase because your health changes. The price you see is the price you pay for life.
What Your Family Receives (Complete Transparency)
In the first 2 years:
- Death from accident: Full payout immediately
- Death from illness (including pre-existing conditions): Return of all premiums paid
After 2 years:
- Death from any cause: Full payout
- No exclusions for pre-existing conditions
- No questions asked
Cancer Cash Benefits - Extra Protection for Your Specific Journey
Add cancer cash benefits for an extra layer of protection. This pays out if you are diagnosed with cancer after your policy starts. It is separate from the life insurance - you can claim this and still have full life cover.
Cancer Cash Benefits by Age
18-34 years
£20,000: £6.65/month | £30,000: £8.30/month
35-44 years
£10,000: £7.65/month | £20,000: £10.70/month | £30,000: £14.88/month
45-55 years
£10,000: £13.90/month | £20,000: £26.35/month | £30,000: £40.34/month
Accident & Sickness Benefits - Monthly Income When You Need It Most
£500/month
Premium: £19.31/month
£750/month
Premium: £22.36/month
£1,000/month
Premium: £24.91/month
£1,500/month
Premium: £37.61/month
Benefits pay out for up to 12 months per claim if you are unable to work due to accident or sickness.
The Reality Check: Two Paths Forward
Path 1: Without Guaranteed Protection
Your partner struggles with immediate costs after your death. The £4,500 average funeral cost requires loans or family help.
They are grieving while negotiating with creditors. Considering downsizing the home. The financial stress compounds the emotional loss.
Path 2: With Your Safety Net in Place
Your guaranteed life insurance pays out. The funeral is covered without depleting savings. Your partner has a financial cushion while adjusting to single income.
The children's lives maintain stability during upheaval. There is breathing space for grief without financial panic.
Your Protection Journey - From Application to Peace of Mind
Today: Your 2-Minute Application
Choose your cover levels. Enter basic details - name, address, date of birth. No medical questions. Immediate confirmation.
Day 30: Your First Payment
Your first premium comes out after 30 days. This gives you time to review everything.
Year 1: Building Your Protection
Accident cover is active immediately. New medical conditions are covered. Pre-existing conditions are building toward full coverage.
Year 2+: Full Benefits Active
All exclusions lifted. Pre-existing conditions fully covered. Permanent protection regardless of health changes.
Common Worries About Guaranteed Acceptance Insurance
"This Sounds Too Good To Be True"
Guaranteed acceptance is possible because of the 2-year exclusion period for pre-existing conditions. The insurer manages risk through waiting periods rather than medical underwriting. It is a legitimate insurance product regulated by the FCA.
"What is The Catch?"
The catch is the pre-existing condition exclusion for 2 years and the maximum cover (£100,000) is lower than traditional life insurance. But for people who cannot get traditional cover, these are reasonable trade-offs.
"Will This Actually Pay Out?"
Yes. Hive Insurance and their underwriters have been paying claims for decades. After the 2-year exclusion period, claims acceptance rates exceed 95%. Every valid claim gets paid.
Other Health Conditions We Accept
Heart Conditions
Previous heart attacks, angina, heart failure - all accepted. No ECG results needed.
Diabetes
Type 1, Type 2, gestational - all accepted without HbA1c levels.
Mental Health
Depression, anxiety, bipolar disorder - all accepted. No questions about hospitalization.
Multiple Conditions
The more conditions you have, the more valuable guaranteed acceptance becomes.
Why Trust More Than Cancer with Guaranteed Life Insurance?
Partnership with Hive Insurance
Hive Insurance has provided guaranteed acceptance products for over 20 years with A-rated insurers backing every policy.
FCA Regulation
More Than Cancer is authorised and regulated by the Financial Conduct Authority (FRN 1047044). Your policy is protected by the FSCS.
Can You Get Guaranteed Life Insurance? (Spoiler: Probably Yes)
Basic Requirements (Just Three)
- UK Resident - England, Scotland, Wales, or Northern Ireland
- Aged 18-55 - At policy start date
- Can pay by Direct Debit - UK bank account required
That is it. No health requirements. No lifestyle questions.
Free Support Services Included
24/7 Virtual GP Service
Unlimited video consultations for you and your family.
Second Medical Opinion
Access to specialist consultants for additional perspective.
Mental Health Support
Confidential counselling and support services.
Wellbeing Resources
Online health assessments, fitness programs, and nutrition guidance.
Get Guaranteed Life Insurance Today - No Medical Questions
Every day you wait is another day without protection.
With guaranteed acceptance, there is no reason to delay. No risk of rejection.
Complete your application in under 2 minutes. No medical questions. Guaranteed acceptance.