Underactive Thyroid Life Insurance, Critical Illness Cover And Income Protection
The Insurance Surgery is a life insurance expert for people with pre-existing medical conditions which includes those with Thyroid issues such as Underactive Thyroid (hypothyrpodism) and Overactive Thyroid (hyperthyroidism). For most with a mild medical issue like this you should find that applying for this type of cover will not usually result in too many issues or problems for Underactive Thyroid life insurance, critical illness cover and income protection.
In cases where underactive thyroid is disclosed on the application you will generally find that the insurer will ask several simple questions about your condition to ascertain the severity of your symptoms and the level of impact on your lifestyle, if any.
In this section of our website we will explain how an application for Underactive Thyroid life insurance, critical illness cover and income protection will be assessed by underwriters to give you a better understanding of how everything works. For anyone with a pre-existing medical condition such as Underactive Thyroid, they will know and understand more than most the importance of life insurance, critical illness cover and income protection.
Symptoms of Underactive Thyroid:
- Brittle hair/nails
- Constipation
- Depression
- Dry skin
- Fatigue
- Muscular pains
There are a number of other possible symptoms for Underactive Thyroid which will need to be disclosed on your application for life insurance, critical illness cover or income protection if they are present in your case. You should be aware that most of the standard symptoms for underactive thyroid do not cause issues for most types of cover unless they are more severe or more regular.
How Underactive Thyroid life insurance, critical illness cover and income protection works:
It is possible that an application for Underactive Thyroid life insurance, critical illness cover and income protection will be accepted without the need for further medical evidence depending on the following information:
- Date diagnosed
- Severity of symptoms
- Frequency of symptoms
- Treatment or medication
- Other medical or health issues
For more information about how to get a competitive quote for Underactive Thyroid life insurance, critical illness cover and income protection you should contact one of our team of experts on 0800 083 2829.
Underactive Thyroid life insurance
Hypothyroidism is generally considered to be a lower risk medical condition and you will generally find that an application for Underactive Thyroid life insurance should be fairly straight forward. It is also likely that in less severe or complex cases for Underactive Thyroid life insurance that you will also not be required to provide access to your medical information for underwriters to assess your application which will make the process much faster for you. There is a strong chance that you will be considered for standard rates for life insurance with an underactive thyroid where you are either otherwise fit and well or the condition is well managed.
Premiums for Underactive Thyroid life insurance will be based on:
- How old were you when you were diagnosed
- What are your symptoms and how frequently do they occur
- Which type of treatment or medication do you take
- Have you got any other related or non-related medical issues
In some cases where the symptoms are more acute or where there are other underlying health issues then you may find that your application for Underactive Thyroid life insurance will be considered at higher rates. Any loading applied to your policy will be based on the levels of risk relating to your own circumstances and whether you are applying to the right insurance provider which is where we can help.
Underactive Thyroid critical illness cover
In the vast majority of applications that we see for Underactive Thyroid critical illness cover there are usually positive outcomes in terms of how long it takes to apply for cover and the premiums offered. Most of the mainstream insurance providers will consider Underactive Thyroid critical illness cover and some can be better than others in terms of the premiums that they will offer for people who have disclosed this condition on their application.
There can be subtle differences in the level of cover offered if there are exclusions applied in more severe cases so it is always important to check your policy wording thoroughly to ensure that the cover suits your needs.
Underactive Thyroid income protection
It is also generally possible to get a policy that will cover Underactive Thyroid income protection which should be fairly readily available from most insurers depending on the severity of your condition. You should find that if you have experienced a number of issues with time off work in the past several years then your cover options could be slightly restricted or your premiums may increase depending on your circumstances.
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If you want more help or to speak to one of our team of experts to get a competitive quote for Underactive Thyroid life insurance, critical illness cover and income protection then you can call us on 0800 083 2829.
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