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Underactive Thyroid Life Insurance

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Underactive Thyroid Life Insurance

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 and Overactive Thyroid. 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.

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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.

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Underactive Thyroid life insurance

As this is generally considered to be a lower risk medical condition 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.

Case Studies

  • Client: Male
  • Age: 37
  • Smoker status: Non-smoker
  • Medical condition: Type 1 Diabetes
  • Cover date: 24th March 2020
  • Product type: Decreasing life insurance
  • Cover amount: £187,000
  • Cover term: 23 years
  • Premium: £40.51

We were approached by this gentleman when he completed an enquiry through our partners website, Diabetes.co.uk. We received the enquiry and our protection advisor got in touch with the gentleman to discuss his life insurance needs and any pre-existing medical conditions that he has. This is when he explained that he was looking for life insurance to cover his mortgage which is £187,000 over a 23-year period. He also disclosed that he has type 1 diabetes that is well controlled, however he has had diabetic eye problems as a result. After taking this information our advisor suggested that decreasing life insurance would be the best option for the gentleman as he was looking to cover his mortgage and the cover would decrease alongside the mortgage; decreasing life insurance is also cheaper than level life insurance. The gentleman agreed that this would be the best option, and as a result our advisor applied him to one of our mainstream providers. On the 24th March 2020 and secured the gentleman £187,000 of cover over a 23-year period for a monthly premium of £40.51.

This is an amazing result and the gentleman was thrilled that we were able to find him the cover that he needs as he now knows that his mortgage is protected should the worst happen. We were also delighted with this result as it is an amazing premium considering the gentleman’s medical history, as when you have complications with your diabetes it can be difficult to obtain cover.

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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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