FREE expert help & advice 0800 083 2829

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

Migraine Life Insurance

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

What Is Migraine Life Insurance?

If you are looking for Life Insurance and suffer with Migraines you will need to answer some additional questions about your condition. Here we explain how the application process works and what impact having Migraines could have on your Life Insurance premiums.

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 Migraine 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!

Underwriters will want to understand the detail behind your personal experience of Migraines when you make an application for Life Insurance. Some of the information required for your application will include:

When the Migraines began

How often you experience them

Symptoms experienced and severity

How you treat and manage the symptoms

Any related conditions

Any further investigations

The Insurance Surgery is a leading Life Insurance expert for people with pre-existing medical conditions. Migraines are just one of the many conditions that our customers may live with. Over the past several years, we have helped thousands of individuals, families and businesses to protect themselves, regardless of their medical history.

Critical Illness Cover

Migraines should not affect your ability to get Critical Illness Cover, and often this would be at standard rates. The rest of your personal details need to be taken into account and having other medical issues on top of the migraines could alter costs and what is available.

Income Protection Insurance

Income Protection cover is widely available for Migraine sufferers. Here the biggest factor would be whether you have previously needed to have time off work due to your Migraines. We can certainly help you explore what options are available for you if Income Protection Insurance is something you feel you would benefit from.

Migraines And life insurance

Experiencing Migraines as an isolated condition would not cause you a problem obtaining Life Insurance. It is likely we can find cover for you at favourable rates. The underwriters just need to establish the finer detail on your personal experience of the condition and any other health issues you may have so they can give an accurate cost for cover.

Facts About Mental Health

Migraine is a complex neurological condition that is usually experienced as moderate to severe headaches that usually worsen as you move and can prevent you carrying out day to day tasks.
 
Related Conditions

Mental Health problems (e.g. Depression)

Migraine Statistics (UK)

Migraines affect around 8.5 million people in the UK

Migraines affect twice as many women than men

190,000 Migraine attacks occur in the UK every day

Attacks last on average between 4 and 72 hours

Sufferers on average have around 13 attacks each year

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​

Our team of expert advisors at The Insurance Surgery have many years’ experience working with people with Migraines. We aim to find you the best cover for you, your family or your business with the most competitive premiums.

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<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

How much will Life Insurance for Migraines cost?

The cost of cover will depend on the standard underwriting considerations such as your age, smoker status, amount of cover and term. It may include an additional loading for your condition but this depends on the severity and detail behind your migraines. Our expert advisers have years of experience and we aim to find the best cover for you and at the most competitive price.

We offer free advice so we can go through what cover you currently have and help you assess whether it is best to take an additional policy to top up your current cover, or whether to cancel what you have and replace it with a new policy.

 

The-Insurance-Surgery.co.uk was established in 1999 as the UK’s first and now leading insurance specialist for people living with pre-existing medical conditions. Our specialist service was established after we recognised that there were no true specialists for what are known as impaired lives in the industry.

Our market leading service is designed to help those who may have otherwise or will struggle to find cover through the normal channels (i.e. Price Comparison sites, IFA’s, Banks or Building Societies). Through our intricate knowledge of the impaired lives market, we have helped thousands of individuals to source the right cover at the right price.

The-Insurance-Suregery.co.uk is Whole of Market so has access to all the leading insurance providers and some specialist providers to obtain your Migraine Life Insurance.

The-Insurance-Surgery.co.uk is a dedicated specialist with over a decade of experience in dealing with individuals with pre-existing conditions. Our expert consultants will take your medical details and then speak to underwriters to obtain the best Migraine Life Insurance premiums for your individual circumstances.

We have access to some of the most experienced insurance underwriters and are able to use our knowledge to be able to access premiums where others may struggle.

You can also see what people think about The Insurance Surgery by reading some of our client reviews on our Review Centre page.

A migraine is not just a headache, it is a far more complex medical condition which is neurological and affects many areas of the body, not just the head. There is currently no actual known reason for the cause of migraines and research continues to try to understand more about the condition.

There is also no current cure for migraines, however, there are many different forms of treatment to ease the pain and discomfort caused by these episodes. A migraine can affect any one of us and at any given moment.

There are generally 5 stages of a migraine which are:

Prodrome stage: This is the warning stage and can include mood changes, fatigue and unusual amounts of hunger or thirst which can happen up to 48hrs prior to an attack
Aura: Usually lasting up to an hour and preceding the headache, including symptoms such as pins and needles, confusion or visual disturbance.
Main stage: This is where a headache usually occurs which generally lasts between 4hrs and 72hrs, other symptoms can be nausea and/or vomiting.
Postdrome/Resolution: The pain usually eases at this stage and begins to disappear however the feeling of fatigue and being lethargic will usually remain
Recovery stage: This stage can amazingly last for a few days to get to full recovery, or can be almost instant for a lucky few.

Migraine statistics:

 

There are approximately 190,000 migraine attacks in the UK every day

It is estimated that 25 million days are lost from school and work each year in the UK because of migraines

Migraines are more likely to occur with women (around 18%) than men (around 8%)

Over 50% of migraineurs have attacks more than once a month and around 13% experience more than one every week

Generally, Migraine Life Insurance rates are very good and are usually offered at standard rates unless there is an underlying reason or other medical conditions are prevalent.

Some reasons that may cause additional investigations or underwriters may request a copy of your GP report is more persistent or severe attacks. Migraines themselves are not usually considered to be a high risk from a life insurance underwriting point of view, however, certain insurance providers may have different guidelines/criteria, therefore, it is important to apply to the best companies for your circumstances.

The Insurance Surgery is a leading specialist and our expert consultants are ideally placed to offer you guidance and support to help you find the best possible cover at the best premiums.

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