FREE expert help & advice 0800 083 2829

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

Bells Palsy Life Insurance

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

What Is Bells Palsy Life Insurance ?

The Insurance Surgery specialises in working with people who have pre-existing medical conditions such as Bell’s Palsy for life insurance, critical illness cover and income protection to help provide cover for them, their family and their homes or businesses. Anyone classed as non-standard for life insurance due to their medical history or other specialist risks should speak to an expert such as our advisers who will help to guide you towards the most suitable insurers for your circumstances to get the right cover at the right price.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

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 Bell’s Palsy 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!

Anyone who has a medical history of Bell’s Palsy will be required to provide certain information about their condition and other material medical facts that could impace their application, such as:

Age condition was diagnosed

Period since last attack

Number of attacks in the past 5 years / ever (depending on insurer)

Any impact on daily living

Other medical conditions

Our expert advisers have been helping people to protect their family, homes or businesses by providing specialist insurance guidance for non-standard applicants such as for Bell’s Palsy life insurance, critical illness cover and income protection. For anyone who is classed as non-standard by insurers such as people with medical histories, high risk occupations or extreme sports then we are here to help.

Critical Illness Cover

There are insurance providers who are better than others when considering applications for Bell’s Palsy critical illness cover simply because they have a better claims experience with Bell’s Palsy or they may have a more lenient approach to the condition. In general it is possible to get critical illness cover for Bell’s Palsy at standard rates where the condition is mild or there are no major issues. If you have suffered a number of attacks in recent times and especially if you have other medical disclosures then you will find it more difficult to get Bell’s Palsy critical illness cover simply because of the increased risk factors. Underwriters will want to know a number of key factors to determine the levels of risks involved, such as:

When you were diagnosed
How frequent are your symptoms
What treatment you have taken / are taking
How severe are your symptoms
Do you have any other related / non-related medical conditions

Once your application for Bell’s Palsy critical illness cover has been submitted, it is very likely that you will have to provide your medical records as with life insurance. In some cases it may be that a loading is applied to the premium for more severe or recent attacks, there is also a possibility that Bell’s Palsy critical illness cover may be offered with some exclusions.

Income Protection Insurance

As with critical illness cover for Bell’s Palsy, income protection may also be available from insurance standard rates where the condition is mild with no longer lasting complications.

With Bell’s Palsy income protection applications the insurance underwriters will simply want to gather any information relating to any time off work in the past several years because of your condition. If you have had time off work because of your condition then you will need to tell insurers why and how many times / days.

Decisions for Bell’s Palsy income protection can vary from standard rates with no exclusions in mild cases with no major issues up to declined applications where the condition is caused by neurological factors.

If you have applied for Bell’s Palsy income protection previously and your application was accepted at non-standard rates or if you have been declined altogether then you should speak to our team of experts.

Expert Bell’s Palsy Life Insurance Advice

People with a pre-existing medical condition such Bell’s Palsy looking for life insurance should speak to an expert to make sure that they apply to the most competitive insurers for their circumstances. Bell’s Palsy life insurance premiums are often available at the insurers standard rates and especially where the condition is either mild or where there have been no long lasting issues. Generally, with Bell’s Palsy life insurance applications would require insurance underwriters to view a copy of your medical records. This is purely to make sure that the application is assessed properly to provide an accurate decision at the end of the process. If you have applied for Bell’s Palsy life insurance previously and your application was either accepted with non-standard terms or you have been declined then you should benefit from speaking to one of our experts. A specialist such as The Insurance Surgery will know which insurance providers have the best underwriting criteria based on your particular medical history and individual circumstances.

Your age

Your current weight and lifestyle

The date of your initial diagnosis

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

Following these considerations, an insurer will normally be able to inform you of the kind of policy you will be eligible for based on your circumstances.

Generally speaking, if you have coarctation of the aorta but your symptoms do not require treatment and you have never been in hospital for surgery as a result of your condition, you should be eligible for a ‘non-rated’ life insurance policy.

However, if you have had an angioplasty procedure to correct your condition, and you are suffering from symptoms in line with it, you may be considered a higher risk for life insurance, and could pay a higher premium than someone with no symptoms. An insurer will likely request medical records from your doctor to confirm your details and to offer you the best policy available.

At The Insurance Surgery, we have helped many people find the right coarctation of the aorta life insurance cover for their needs. Ratings for an individual seeking life insurance with coarctation of the aorta can vary depending on their individual circumstances, so it is important that you approach the right insurance provider that understands the nature of your condition.

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 getting insurance cover for with a pre-existing condition such as Bell’s Palsy life insurance, critical illness cover and income protection then you will benefit from speaking to one of our experts. We specialise in helping people with non-standard insurance needs to find the right cover to protect their loved ones 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 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<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.

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?

Bells Palsy Life Insurance

What Is Bells Palsy Life Insurance ?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Bell’s Palsy life insurance works:

Age condition was diagnosed

Period since last attack

Number of attacks in the past 5 years / ever (depending on insurer)

Any impact on daily living

Other medical conditions

Critical Illness Cover

Income Protection Insurance

Expert Bell’s Palsy Life Insurance Advice

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:

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