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Thyroid Cancer Life Insurance

You may have found it difficult to secure Thyroid Cancer Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Thyroid Cancer Life Insurance?

The Insurance Surgery specialises in working with people who currently suffer from or who have previously had a medical or health issue such as Thyroid Cancer life insurance, critical illness cover and income protection. Anyone who has previously suffered from any type of cancer will appreciate how important it is to ensure that their family is financially protected if anything should happen to them.

You may also know from experience that the process of applying for Thyroid Cancer life insurance, critical illness cover or income protection can be difficult, time consuming and potentially expensive. It can also seem to most that it is a pointless task applying for this type of cover which may not necessarily be the case as this type of cover can be less cheaper than you think.

In this section we look at how an application for Thyroid Cancer life insurance, critical illness cover or income protection will be assessed by underwriters. We also look at how your premiums and cover options will be affected if you are disclosing that you have previously suffered from Thyroid Cancer.

Symptoms of Thyroid Cancer:

Lump or cyst on the throat

Swollen glands

Sore throat

Swallowing problems

Hoarse voice

How Thyroid Cancer Life Insurance, critical illness cover and income protection works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

If you have previously suffered from Thyroid Cancer and want to apply for life insurance, critical illness cover or income protection then you will need to provide additional information on your application such as:

Date diagnosed

Grade/stage

Primary treatment

Any surgery

Time since last treatment

If you need more help to get a competitive quote for Thyroid Cancer life insurance, critical illness cover or income protection then you should contact one of our team of highly skilled insurance experts on 0800 083 2829.

Critical Illness Cover

It is also possible to get a policy for Thyroid Cancer critical illness cover in a lot of cases where the grade/stage is lower and diagnosis was several years ago. You will generally find that your application will require a copy of your medical records to support the information you have provided and to give underwriters additional information about your symptoms. You may find that your application for Thyroid Cancer critical illness cover will be accepted with an exclusion for cancer which is fairly standard but your premiums should reduce to reflect this fact. You should always check any offer of Thyroid Cancer critical illness cover before you accept a policy to make sure that it is right for you.

Income Protection Insurance

You will find that applying for Thyroid Cancer income protection will be more difficult than for life insurance or critical illness cover because of the increased risk of claim. In most cases you will be required to provide additional information about your condition and symptoms as well as a medical report to support your application. You may also find that Thyroid Cancer income protection may not be available through standard insurance providers and therefore you will need to approach a specialist insurer.

Thyroid Cancer Life Insurance

The good news is that it is generally possible to get cover for Thyroid Cancer life insurance depending mainly on how long it has been since you last received treatment for your condition. If you received treatment in the past 2 years then you may find that your cover could be postponed until a period of 2 years has passed to show underwriters that there are no longer lasting issues. Your premiums will also rely very much on whether your symptoms were severe or not which is mainly due to the grade/stage of the cancer.

Premiums for Thyroid Cancer life insurance will be based on

What age were you when you were diagnosed with Thyroid Cancer

Was your grade/stage high

How long ago did you have treatment

What treatment did you have

It is even possible to get Thyroid Cancer life insurance from as low as standard rates which means that you could pay the same premiums as someone with no medical issues. If your symptoms are more severe or more recent then you will generally find that your premiums will be loaded or increase to reflect the increased risk of claim.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

If you need more help to get a competitive quote for Thyroid Cancer life insurance, critical illness cover and income protection then you should contact one of our insurance experts on 0800 083 2829.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Forbes Advisor, 2025

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Does a HIV test affect life insurance?

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

Does life insurance cover HIV?

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Do you offer advice on travel insurance with HIV?

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

How Can The Insurance Surgery Help?

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Thyroid Cancer Life Insurance

What Is Thyroid Cancer Life Insurance?

Lump or cyst on the throat

Swollen glands

Sore throat

Swallowing problems

Hoarse voice

How Thyroid Cancer Life Insurance, critical illness cover and income protection works:

Date diagnosed

Grade/stage

Primary treatment

Any surgery

Time since last treatment

Critical Illness Cover

Income Protection Insurance

Thyroid Cancer Life Insurance

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies