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

Doctors’ Life Insurance

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

What is Doctors’ Life Insurance?

The Insurance Surgery are specialists for people with potentially dangerous occupations including Doctors life insurance, critical illness cover and income protection. Our team of insurance advisers are here to help you to find the best insurance cover to protect your family and your home as well as save you money. Some insurance companies and underwriters will be more suitable than others to some high risk occupations such as doctors looking for life insurance, so it is crucial to make the right decision.

If you want Doctors Life Insurance, critical illness cover or income protection then you will should find that there will be no issues in getting cover. There are some occupations that are classed as high risk for personal protection products which can include Doctors Life Insurance depending on your situation and who you are applying with. Anyone who needs to protect their family will have the same application experience, which will ask about your occupation which can also determine whether you will be classed as high risk.

In this section of The Insurance Surgery’s website, we consider whether you will be classed as high risk for Doctors Life Insurance, critical illness cover or income protection based on your situation. This is a fairly common occupation for life insurance, you should understand that this is a less standard risk so can be classed as high risk with certain underwriters and insurance providers.

Main risks for Doctors:

Working with dangerous equipment

High risk working environments

There is a list of hazardous occupations considering the different types of risks involved with various types of peoples jobs, so you should to a specialist before going any further with your application. Doctors Life Insurance, critical illness cover or income protection has various risks involved which can be classed as non-standard by insurance companies.

How Doctors Life Insurance 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!

For someone considering Doctors Life Insurance, critical illness cover or income protection there will be a list of potential key points that will need to be factored in to be reviewed by underwriters, including:

What type of Doctor are you

Do you have exposure to risk of blood

Are you qualified or junior

Have you had any time off work in recent months/years

For more advice or guidance to get a quote for Doctors Life Insurance, critical illness cover and income protection then you can contact one of our team of specialists on 0800 083 2829.

Doctors critical illness cover

Often there will also be no issue in getting a policy for Doctors for critical illness cover based on the risks involved and the questions you will be asked on your application.

There is no major additional risks of serious or critical illness so you should be able to get a Doctors critical illness cover policy with no need to disclose additional information about your occupation.

Doctors income protection

Finally, you should be able to get a Doctors Trainers income protection policy in most cases and cover should be available at the same or similar premiums to someone with no job related risks. There may be some occasions or situations where the role is considered to be more high risk because of the type of duties which can include Doctors looking for income protection.

Doctors Life Insurance

Regularly we are asked by people looking for cover to protect their families or homes who have dangerous occupations including Doctors Life Insurance. This type of occupation will often not be classed as particularly high risk, for Doctors Life Insurance, which means that you should easily be able to get the cover you need to protect your family.

There are some possible issues with Doctors Life Insurance, however cover should be available at standard rates for most people.

Premiums for Doctors Life Insurance will be based on:

How much cover you need and why you need life insurance

How many years do you want to take cover over

Which type of Doctors Life Insurance do you want

Any other associated health conditions such as heart attack or stroke

Associated congenital conditions such as heart disease

Whether you have high blood pressure

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

If you need help or advice to get the best Animal Trainers Life Insurance to protect your family or home then you should contact one of our team of experts today.

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

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

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

What Are the Most Dangerous Occupations?

Is Income Protection Insurance Worth It?

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

What is Income Protection

Is Income Protection Insurance Worth It?

Doctors’ Life Insurance

What is Doctors’ Life Insurance?

Main risks for Doctors:

Working with dangerous equipment

High risk working environments

How Doctors Life Insurance works:

What type of Doctor are you

Do you have exposure to risk of blood

Are you qualified or junior

Have you had any time off work in recent months/years

Doctors critical illness cover

Doctors income protection

Doctors 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:

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!*