Yes, you can still get income protection if you have a pre-existing condition, but:
- Disclosure: It’s crucial to disclose all pre-existing conditions accurately when applying.
- Exclusions: The insurer may exclude the pre-existing condition from coverage or charge higher premiums.
- Specialist policies: Some insurers specialise in covering individuals with pre-existing conditions and may offer more favourable terms.
- Medical underwriting: The insurer will assess the severity and stability of your condition before making a decision.