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CALL FREEDOM 01223 446914

Monday to Friday 8.30am - 5.30pm
Saturday 9.00am - 5.00pm
Closed Bank Holidays

Contact Us

Call Freedom 01223 446914

Monday to Friday 8.30am - 5.30pm

Saturday 9.00am - 5.00pm

Closed Bank Holidays

Medical Life Insurance

Freedom and Orbis have joined forces to bring you life insurance that provides cover for pre-existing medical conditions.

Why choose life insurance?

Freedom has teamed up with Orbis Insurance Services (Orbis) to provide life insurance for people with pre-existing medical conditions. Orbis are a specialist insurance provider for people with medical conditions and their families.

Orbis can access markets who offer life insurance for individuals who are finding it difficult to obtain the cover they require. This is often due to pre-existing medical conditions like, but not limited to

  • Cancer
  • Diabetes
  • Heart Conditions
  • HIV
  • Hypertension
  • Lupus
  • Respiratory Conditions
  • Stroke

How to apply

Applying is easy. Please complete the form available at the top of the page, under “Questionnaires”. Once complete, please submit your form to or post it to the address at the top of the application form and we will pass it to Orbis who will contact you directly with your quotation.

Alternatively, you may speak to one of our life insurance advisers on 01223 446 915.

Freedom Life Insurance for people living with pre-existing medical conditions.

What happens next?

Once we have received your completed application, we will pass your details on to Orbis who will contact you direct. All cases are assessed on an individual basis. *We do not automatically decline anyone.

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Secure your future and protect your loved ones.

It is only fair to inform you that...

There are certain situations where the life insurance underwriters we use would decline cover. We cannot offer cover to people over 85 years and those serving in the armed forces. Restrictions also apply to certain medical conditions, please view our guide below:

Cover unavailable for:

  • Alzheimer's Disease
  • Brugada Syndrome (with or without an ICD)
  • Long or prolonged QT syndrome (Sudden death syndrome)

Medical conditions where the treatment must have been completed for a specific length of time:

  • Kidney transplant - postpone for at least 1 year after transplant
  • Hodgkins lymphoma - postpone 2 years from the end of treatment
  • Hairy cell leukaemia - postpone 5 years from the end of treatment
  • Any other cancer - postpone at least 1 year from the end of treatment

We understand each case is individual and whilst we can't guarantee a medical life insurance quote for every applicant, we will do our level best to show each customer the sensitivity and respect they deserve, treating each application in the strictest confidence.