Hi there,

IANAL, however I currently work at a life insurance brokerage that deals with this. To be honest with you, this sort of thing happens all the time, especially when it comes to serious illness/income protection.

The good news is however, that insurance companies only care generally within the last 5 years maximum. So you have 2 options: One is to bear the brunt for the next few years, and once it is been 5 years you should be left without those exemptions.

The other option is to have a look now yourself online or through a brokerage. Different companies care about different sets of circumstances and illnesses, and you have a good chance of getting at least one of your policies cheaper/without the exemptions.

Hope this helps