FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

Antiphospholipid Syndrome Life Insurance

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

What Is Antiphospholipid Syndrome Life Insurance?

We are an insurance specialist for people who have been diagnosed with pre-existing medical conditions and other high risk groups such as Antiphospholipid Syndrome or sometimes known as Hughes Syndrome life insurance, critical illness cover or income protection. Insurance underwriters will review an impaired life application on a case by case basis to establish the level of risk for the individual or couple and apply either a loading or policy exclusion which includes Hughes Syndrome life cover, critical illness cover and income protection. The Insurance Surgery has helped thousands of people who are classed as non-standard to protect their families, homes and businesses which includes Hughes Syndrome life insurance, critical illness cover and income protection.

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 Hughes 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!

The main elements which will be taken in to consideration when applying for Hughes Syndrome life insurance, critical illness cover and income protection will be things like:

Date of diagnosis

Treatment / medication

Last symptoms or attack

Any other medical problems

General health

Family medical history

Whether you smoke

Any other related health complications such as heart disease

If you want to get some advice on or a quote for Hughes Syndrome life insurance, critical illness cover or income protection then you should contact one of our team of experts to find out more. The Insurance Surgery has helped thousands of people with medical conditions like Hughes Syndrome to find life insurance, critical illness cover and income protection as well as save them money.

Critical Illness Cover

It is also possible to get Antiphospholipid Syndrome critical illness cover where the condition is mild with no additional issues and no symptoms. You will find that Hughes Syndrome critical illness cover will not be available through all insurance providers and therefore it is advisable to speak to an expert or specialist such as The Insurance Surgery who understands medical underwriting.

Income Protection Insurance

It may be possible to get Antiphospholipid Syndrome income protection in similar circumstances to critical illness cover and will often be accepted with a minimum of small premium loading. You will be limited to a smaller number of companies who would consider Hughes Syndrome income protection so it is important to apply to the right providers.

 

Hughes Syndrome life insurance

People who are looking for Hughes Syndrome life cover will generally find that cover is often available to them from a small premium loading upwards to a potential decline where there are other issues. Most applications for Hughes Syndrome life cover will require the applicant to provide a copy of their medical records or a nurse screening in some cases depending on the severity of the condition.

There are a number of bits of information which will be taken in to consideration by insurance underwriters when reviewing an application for Hughes Syndrome life insurance including:

When were you diagnosed with Hughes Syndrome

What was the date of your last attack or symptoms

Which treatment / medication did you receive

Are there any other related medical issues

In certain cases where the applicant has experienced symptoms in the past few years then it may be more difficult to get Hughes Syndrome life cover because of the additional risks for recent issues. There are some specialist providers who may be more inclined to accept applications for Hughes Syndrome life cover due to them having a more flexible approach to underwriting.

 

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 a quote for Hughes Syndrome life insurance, critical illness cover and income protection you should contact one of our experts for more information.

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 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.

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
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.

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.

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.

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.

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.

Being declined for life insurance can be unsettling — and frustrating — especially if you don’t understand

Expert UK Advice from Whole-of-Market Brokers Getting life insurance when you have a medical condition can feel

Do I Need Life Insurance for a Mortgage? If you’re taking out a mortgage in the UK,

BBC viewers are laughing along with Can You Keep a Secret?, the new sitcom starring Dawn French