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Gastric Bypass Life Insurance

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

What Is Gastric Bypass Insurance?

The Insurance Surgery is a top level specialist for people who need insurance for pre-existing medical conditions to protect themselves and their loved ones, such as Gastric Bypass life insurance, critical illness cover and income protection.

If you are classed as high-risk or non-standard by personal insurance companies due to your health, occupation or sport then you should speak to someone who specialises in this because it can be difficult to get the cover you need at the right price through a non-specialist. Insurance underwriting for someone who is classed as a non-standard life such as Gastric Bypass life insurance, critical illness cover and income protection will require more specific knowledge and expertise which is exactly what we do.

Our team of experts has been specifically working with people with pre-existing medical conditions for life insurance and other personal protection products since 1999 and we help thousands of people every year to protect themselves, their families and their homes in the event that anything happens.

You never know what life will throw at you so if you need Gastric Bypass life insurance, critical illness cover and income protection then you should speak to one of our expert advisers to see how we can help to save you money.

How Gastric Bypass 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’re looking for specific cover such as Gastric Bypass life insurance, critical illness cover and income protection then you will need to provide additional information about your health such as:

Date of surgery and your age

Reason for surgery

Previous BMI (before surgery)

Any complications

Other medical conditions and general state of health

To find out more about Gastric Bypass life insurance, critical illness cover and income protection and to get a quote, simply complete our simple enquiry form and one of our team of advisers will contact you.

Critical Illness Cover

Applications for Gastric Bypass critical illness cover will also require additional underwriting which can result in cover being offered from a small loading with no exclusions to a potential decline depending on your current health and weight.

It can be slightly more difficult to get the right levels of cover at the right price for Gastric Bypass critical illness cover because of the potential related risks to your health.

Your offer of cover and premiums for Gastric Bypass critical illness cover will depend very much on your current BMI levels as well as the state of your health at the point of application.

If you have other medical issues such as Type 2 Diabetes or Mental Health problems then you may find that critical illness cover may not be available to you at this time but it is always worth applying to find out.

Income Protection Insurance

For someone who has had a Gastric Bypass operation and needs some form of income protection cover then you will be required to provide some medical evidence such as a report from your GP or specialist.

An application for Gastric Bypass income protection will also be based whether you have had any extended periods off work in the past several years as well as everything else above.

Rates for Gastric Bypass income protection can vary from one insurance provider to another and can be accepted at anything from a small premium loading to a decline if the surgery was too recent or there have been other issues.

Gastric Bypass Insurance

For anyone who has had Gastric Bypass surgery looking for life insurance to protect their family, home or business, there are several considerations which we will be able to guide you through. Your application for Gastric Bypass life insurance will be assessed by an insurance underwriter who will review the answers you have provided on the form which we will complete on your behalf. Underwriters will be looking for the following information:

When did your surgery take place and what age were you

Was there a specific reason for you having Gastric Bypass surgery

Are there any other risks such as Type 2 Diabetes

What was your weight before surgery and what is your weight currently

Are there any mental health issues

If you have previously applied for Gastric Bypass life insurance and you have either been offered cover on the basis of special terms (e.g. premium loadings) or even had cover declined altogether then we may be able to help you. It could be possible that your application for Gastric Bypass life insurance was either submitted to an insurance provider who does not accept this type of cover or one with strict underwriting for your condition.

Life insurance for Gastric Bypass surgery should be available from standard rates where the surgery was several years ago and there has been a period of stability with no major fluctuations in weight.

If you are looking for Gastric Bypass life insurance and your surgery was either recent or if your weight has increased then you may find that your premiums are loaded more heavily.

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

For more information about getting Gastric Bypass life insurance, critical illness cover and income protection, contact The Insurance Surgery.

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
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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Gastric Bypass Life Insurance

What Is Gastric Bypass Insurance?

How Gastric Bypass life insurance, critical illness cover and income protection works:

Date of surgery and your age

Reason for surgery

Previous BMI (before surgery)

Any complications

Other medical conditions and general state of health

Critical Illness Cover

Income Protection Insurance

Gastric Bypass 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 beatthe 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

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