FREE expert help & advice 0800 083 2829

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

Tinnitus Life Insurance

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

What Is Tinnitus Life Insurance?

We are a leading insurance specialist for people who have been diagnosed with pre-existing medical conditions, high risk occupations or extreme sports such as Tinnitus life insurance, critical illness cover and income protection. Anyone who has been diagnosed with a pre-existing medical condition will know the risks of medical complications and should understand the need for life insurance, critical illness cover or income protection and especially for those who have children or dependants.

People suffering from Tinnitus will be able to get life insurance, critical illness cover and income protection in most cases so there should be no real issues getting cover for the majority of people. Here we consider the various potential issues when assessing an application for Tinnitus life insurance, critical illness cover and income protection so you know what to expect for your personal situation. There are some medical conditions that are considered to be more serious than others however Tinnitus is generally considered to be one of the less severe pre-existing medical conditions. Symptoms of Tinnitus:

Ringing in ear(s)

Throbbing around ear(s)

Buzzing sounds

Difficulty hearing

There are a number of possible sounds that can be heard for anyone suffering from Tinnitus which does not cause an issue generally for life insurance, critical illness cover and income protection.

How Tinnitus 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!

It is generally fairly straight forward for anyone suffering from Tinnitus to get life insurance, critical illness cover and income protection, however insurance underwriters will want to know:

Date diagnosed

Frequency of symptoms

Severity of symptoms

Any treatment or surgery

Critical Illness Cover

There is also a very strong chance of being able to get a Tinnitus critical illness cover policy in place with no increase to your premiums and no exclusions so on standard terms. You will need to disclose information about your condition and your health so that underwriters can accurately assess your application.

As with life insurance, you may not be required to provide access to your medical records for Tinnitus critical illness cover which will make your application process much faster. If you are applying for Tinnitus critical illness cover and you have other medical or health problems then there may be a need to obtain further medical evidence to support your enquiry as well as other possible Implications such as loaded premiums or possible exclusions

Income Protection Insurance

As with the other types of cover it should not be an issue to get a policy to cover for Tinnitus income protection and in most cases there should be no need for a medical report. There may be additional issues if there has been a history of time of work due to your condition which underwriters will want to know about. Any offer of Tinnitus income protection will depend on the severity of your symptoms and the frequency of any attacks.

Tinnitus life insurance

As we mentioned earlier, it is generally considered to be a milder pre-existing medical condition for life insurance so you should find that there should not be an issue getting cover if you have Tinnitus. In most cases where we are applying for Tinnitus life insurance for our clients if there are no other issues then cover can even be offered without the need for a medical report. We also find that people applying for Tinnitus life insurance with no major health issues or other medical problems will be able to get cover with no added premium loadings.

Premiums for Tinnitus life insurance will depend on:

What age were you when you were first diagnosed with Tinnitus

How severe are your symptoms

How often do you suffer any attacks

Have you had any surgery or treatment

In some cases where there are other medical or health issues then you may find that your premiums or offer of cover for Tinnitus life insurance could be impacted. There are a wide range of possible premium loadings depending on your health or medical history so you should speak to one of our experts for more information.

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

If you need help to get a competitive quote for Tinnitus life insurance, critical illness cover and income protection then you should contact one of our team of experts for more information on 0800 083 2829.

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.

Family

By Policy

Helpful Information

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Tinnitus Life Insurance

What Is Tinnitus Life Insurance?​

Ringing in ear(s)

Throbbing around ear(s)

Buzzing sounds

Difficulty hearing

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

Date diagnosed

Frequency of symptoms

Severity of symptoms

Any treatment or surgery

Other medical or health problems

Critical Illness Cover

Income Protection Insurance

Tinnitus life 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:

What Is Tinnitus Life Insurance?

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!*