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Tourettes Syndrome life insurance

You may have found it difficult to secure life insurance with Tourettes Syndrome. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Tourettes Syndrome life insurance?

Finding life insurance when you have Tourette’s syndrome shouldn’t cause many issues and should be fairly easy to obtain. However this depends on the severity of your condition as well as any treatment or medication you have had.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

How Tourettes Syndrome 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!

Insurance providers may need to know a few things about you in order to process your application:

When you were diagnosed

What medication you use/have used

Any complications you have as a result of your condition

Any other medical conditions you have

Your body mass index (BMI)

If you’re a smoker

Critical Illness Cover

If you have Tourette’s Syndrome and you are looking for critical illness cover it is possible that you will be accepted. This depends on the severity of your condition and any complications you have had as a result. In addition, any other medical conditions or issues you have can also affect your application.

It is also possible that your policy may have an exclusion placed upon it, excluding your Tourette’s syndrome or possibly an entire mental health exclusion depending on the severity of your condition

Income Protection Insurance

Similarly to Tourette’s Syndrome Critical Illness Cover, Tourette’s Syndrome Income Protection is possible to get. It will depend on your medical history and the severity of your Tourette’s syndrome as to what type of income protection is available to you and it is also likely that there will be an exclusion applied to your policy.

Tourettes Syndrome life insurance

Getting life insurance when you have Tourette’s Syndrome should be relatively simple. Providers will ask a few things about your condition to assess how much of a risk your condition is to them.

If your condition is mild, and you don’t have any other pre-existing medical conditions then it is possible that you can get Tourette’s Life Insurance at standard rates, this means that you would pay the same amount for your cover as someone without any medical issues.

Facts about Tourette’s Syndrome.

Tourette’s Syndrome is a condition that causes a person to make involuntary sounds and movements called tics. The cause of Tourette’s Syndrome is currently unknown, however it is treatable.

Tourette’s Syndrome Stats (UK).

It is estimated that 1 school child in every 100 has Tourette’s Syndrome

More than 300,000 children and adults in the UK live with Tourette’s Syndrome

Tourette’s Syndrome is more prevalent in boys

Only 10% of Tourette’s Syndrome sufferers swear involuntarily

Tourette’s Syndrome Symptoms.

The main symptom of Tourette’s Syndrome is tics, which usually appear in childhood between the ages of 2 and 14 (averaging at age 6). People with Tourette’s can have a combination of physical and vocal tics.

Examples of physical tics are:

Blinking

Jerking of the head/limbs

Eye rolling

Touching/grabbing objects or other people

Jumping

Examples of vocal tics are:

Whistling

Tongue clicking

Throat clearing

Saying random words or phrases

Repeating words, phrases or sounds

Swearing

Tics are not usually harmful to a person’s health, but physical tics that involve jerking of limbs for example, can be painful. Tics can vary from day to day, with some days being worse than others. Things such as stress, anxiety or tiredness may worsen tics.

People with Tourette’s Syndrome can have other medical conditions such as:

Attention Deficit Hyperactivity Disorder (ADHD)

Obsessive Compulsive Disorder (OCD)

Depression

Anxiety

Jumping

Tourette’s is currently incurable, however research has shown that generally as Tourette’s Syndrome sufferers age their condition improves. Treatment is also available to help people manage their tics although most children with Tourette’s Syndrome don’t need treatment.

Treatments

There are 2 main types of treatment:

Behavioural

Medicine

Behavioural treatment includes therapy, usually provided by a psychologist or specially trained therapist. There are 2 types of behavioural therapy that have been shown to reduce tics, habit reversal training and exposure with response prevention (ERP).

Habit reversal training involves working out the feelings that trigger tics, and then find an alternative, less noticeable way to relieve the tic.

Exposure with response prevention trains Tourette’s Syndrome sufferers to better control your urge to tic, techniques are used to recreate the urge to tic to train people to tolerate the feeling, without ticking, until the urge passes.

Medicinal treatment is only recommended if the tics are more severe or affect daily activities, and they may have side effects or may not work for everyone.

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

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

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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Tourettes Syndrome life insurance

What Is Tourettes Syndrome life insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Tourettes Syndrome life insurance, critical illness cover and income protection works:

When you were diagnosed

What medication you use/have used

Any complications you have as a result of your condition

Any other medical conditions you have

Your body mass index (BMI)

If you’re a smoker

Critical Illness Cover

Income Protection Insurance

Tourettes Syndrome life insurance

Facts about Tourette’s Syndrome.

Tourette’s Syndrome Stats (UK).

Tourette’s Syndrome Symptoms.

Treatments

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:

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