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Underactive Thyroid Life Insurance

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

What Is Underactive Thyroid Life Insurance?

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 (hypothyrpodism) and Overactive Thyroid (hyperthyroidism). 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.
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:

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 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.

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.

Income Protection Insurance

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.

Underactive Thyroid life insurance

Hypothyroidism is generally considered to be a lower risk medical condition and 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.

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 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.

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

Forbes Advisor, 2025

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

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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Underactive Thyroid Life Insurance

What Is Underactive Thyroid Life Insurance?

Brittle hair/nails

Constipation

Depression

Dry skin

Fatigue

Muscular pains

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

Date diagnosed

Severity of symptoms

Frequency of symptoms

Treatment or medication

Other medical or health issues

Critical Illness Cover

Income Protection Insurance

Underactive Thyroid 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 beat<br>the price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

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