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

Anorexia Life Insurance

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

What Is Anorexia Life Insurance?

The Insurance Surgery is a top insurance expert for people with pre-existing medical conditions such as people who suffer from Anorexia looking for life insurance, critical illness cover or income protection. Anyone suffering from Anorexia looking for life insurance to protect themselves and their family should contact one of our experts who will help to guide you through the application process to find the best cover and save you money.

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How Anorexia 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!

Living with Anorexia and looking for life insurance, critical illness cover or income protection can mean that there are additional disclosure requirements about your health and your medical including:

Date you were diagnosed with Anorexia

Last symptoms or attack

Current treatment(s)

Any medication including dosage

Cause of your Anorexia

By speaking to a specialist such as The Insurance Surgery, they will be able to guide you towards the insurance providers who are particularly good for Anorexia life insurance, critical illness cover and income protection. It is important to get the right cover to protect you, your family, your home or your business and especially for people living with pre-existing medical conditions such as Anorexia.

Critical Illness Cover

Critical illness cover for people with Anorexia can often be available at anything from the insurers normal or standard rates to decline for more severe cases. Similarly to life insurance, Anorexia critical illness cover will be dependent on your overall health, your BMI and whether you are currently suffering from any symptoms of Anorexia.

Generally if you are applying for Anorexia critical illness cover there will also be a requirement to provide a copy of your GP report so that underwriters can assess the level of risk. You should not consider this as abnormal as most other applications for Anorexia critical illness cover will have the same requirement. Your GP report will show the underwriters whether you have any other concerning underlying issues or whether you are healthy regardless of your Anorexia.

In some cases for Anorexia critical illness cover we see there are instances where premium loadings are applied if there are current symptoms or if you are currently being treated for Anorexia. Insurance underwriters will also require additional information about any other mental health issues and especially where there are instances of self-harm.

For more information about Anorexia critical illness cover you should call our team of experts to get the cover you need.

Income Protection Insurance

It is possible to get Anorexia income protection cover in certain circumstances where the BMI levels are within relatively normal levels and there are no other major health concerns. The main concern with any income protection application is to make sure that there are no major health concerns that could cause illness or long term sickness. Due to the effects that low BMI can have on the body and the fact that mental health is such a major concern, Anorexia income protection can be a tricky one for underwriters.

If you have applied for Anorexia income protection in the past and had cover declined because of your medical history then you need to speak to our experts.

Anorexia Life Insurance

Mental health conditions such as Anorexia can have a variety of effects on life insurance underwriting depending on the severity of the condition and the cause. Anorexia life insurance will be based on whether you currently are suffering from any symptoms and whether the Anorexia has had any other effects on your health. Information required by underwriters for Anorexia life insurance:

The date you were diagnosed with Anorexia

When did you last experience any symptoms of Anorexia

What impact does your condition have on you day to day

Have you seen a psychiatrist or counsellor

What impact your Anorexia has had on your health

Anorexia life insurance rates can vary from standard rates for someone not currently experiencing any symptoms or where the condition is well controlled, to heavier loadings or even decline where the condition is more severe and has had long lasting effects on your health. It is likely that underwriters will want to view a copy of your medical records for Anorexia life insurance to ensure that they have a full picture of your overall health to be able to assess your application accurately.

In some more severe cases for Anorexia life insurance where you have a BMI (Body Mass Index) of less than 17, you will generally find it difficult to get cover through the mainstream markets however there are more specialist insurers who would consider cover for you. Generally for Anorexia life insurance where the symptoms are still present and your BMI is below a certain level, your premiums will be increased slightly to reflect that increased risk.

If you have applied for Anorexia life insurance in the past and your application was declined or accepted with special terms then you should speak to one of our expert advisers.

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 are looking for Anorexia life insurance, critical illness cover or income protection to give you the peace of mind you need then you should call our team of experts. We have helped thousands of people with pre-existing medical conditions such as Anorexia to for cover to protect themselves, their families and their homes.

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.

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Friday:

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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.

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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

Is Anorexia a major concern for life insurance

Due to the additional risks that can come with low BMI levels which is a major part of Anorexia, such as:

  • Heart problems
  • Liver or kidney damage
  • Low blood pressure
  • Mental health
  •  problems

 

You may find that Anorexia life insurance rates can vary and that you are required to disclose additional information about your condition.

Underwriting can vary from one insurance provider to another and therefore it is important to apply to those insurers who are more likely to want to cover you. If you apply to an insurance provider and are declined cover it does not mean that every insurer will decline cover for you.

 

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