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Coeliac Disease Life Insurance

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

What Is Coeliac disease life insurance?

Coeliac disease is a common condition in which the small intestine becomes irritated due to a reaction to gluten. As a result, its lining becomes inflamed and it stops properly absorbing nutrients from food. Coeliac disease causes a range of uncomfortable symptoms for sufferers, including intestinal cramps, bloating, abdominal pain and diarrhoea.

Gluten is a protein found mainly in cereals and carbohydrates. People suffering from coeliac disease do not respond well to items containing gluten such as barley, rye, wheat, cereals, bread, sauces, pasta, cakes and biscuits. Some ready meals also contain gluten, and beer also contains barley, which contains gluten.

To ease and manage their symptoms, coeliac’s often follow a gluten-free diet.

Symptoms include:

Diarrhoea

Stomach cramps

Discomfort and bloating

Constipation

Passing wind

Indigestion

Weight loss

Feeling tired

An itchy rash (dermatitis herpetiformis)

Heightened risk of disorders linked to co-ordination

Nerve damage

Delayed puberty (in children)

When a person has Coeliac disease, they are suffering from an autoimmune condition in which the immune system attacks healthy tissue within the intestine (by mistake).

The body’s immune system reads foods containing gluten as a threat to the body, and attacks the proteins (gluten) to get rid of them. As a result, the lining of the small intestine becomes damaged and prevents the person from properly absorbing nutrients from their food.

Coeliac disease is caused by both a person’s genes and/or their environment. It should not be confused with an intolerance or allergy to gluten.

Unfortunately, there is currently no effective cure for Coeliac disease. Switching to a gluten-free diet is however an effective way to deal with the uncomfortable symptoms. It should also help to prevent any long-term complications that can occur.

Continuing to eat gluten with Coeliac disease can aggravate the condition and seriously damage the bowel. Thankfully, there is more awareness of Coeliac disease in the present day, with a wide range of gluten-free foods available for sufferers. People who choose to continue eating gluten can suffer the following long-term health complications as a result:

Weak bones and osteoporosis

Anaemia and general weakness

Iron deficiency

Vitamin B12 deficiency

Problems getting pregnant (in women)

Low weight babies (when giving birth)

Bowel cancer

How Coeliac disease 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!

The following are the main conditions for underwriting an application for Coeliac disease life insurance:

How often your symptoms flare up

When you were first diagnosed with the condition

Any medications you take to manage your symptoms

Any other associated health complications

The Insurance Surgery is a Coeliac disease life insurance specialist. We understand that every person suffering from Coeliac disease has different needs for their cover depending on the severity of their condition. Simply enter your details into one of our online forms for your no-obligation free quote for Coeliac disease life insurance.

Critical Illness Cover

Just like life insurance, critical illness cover for Coeliac disease will depend on whether you are able to manage your condition and the extent to which it impacts on your general health, well-being and lifestyle.

If your symptoms are manageable and you follow a gluten-free diet, it is likely that you will be offered cover with standard terms.

Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover for your needs.

Income Protection Insurance

To assess an application for income protection cover, an insurer will want to know how much time you have off of work as a result of your Coeliac disease. If your symptoms are manageable, you may be offered cover on standard terms.

If however the disease frequently impacts on your ability to work, you may find that premiums are higher or that the number of insurers willing to cover you are fewer.

It is likely that any insurer will request medical reports from your GP to determine the severity of your condition. Contact us today so we can put you in touch with insurers that meet your needs.

Coeliac disease life insurance

Underwriting for Coeliac disease life insurance will depend on the following factors. Insurers will want to know the following details about your condition:

The date of your initial diagnosis

How often your Coeliac disease flares up

Whether or not you follow a strict gluten-free diet

Any hospital admissions

Medications taken

How the condition affects your lifestyle and daily activities

Whether your condition prevents you from working

Whether Coeliac disease runs in your family’s medical history

Any other complications

Many applications for Coeliac disease life insurance can be easily accepted by some insurers. This will however depend on the severity of your symptoms and whether you follow a strict gluten-free diet to manage your condition. Coeliac disease doesn’t have an impact on a person’s lifespan, so you should find that you will be able to find cover with a standard premium. That said, if your symptoms are more severe, you may have to pay a higher premium. Some insurers may decide that you have to wait for a set amount of time before they will consider your application. This is especially the case if you have been first diagnosed. If you have suffered with Coealic disease for more than 9 months, and your symptoms are manageable, you may be offered standard life insurance premiums. Always bear in mind that an insurer may request a medical report from your GP to assess your condition.

Ratings for Coeliac disease life insurance vary greatly, depending on a person’s individual circumstances and the severity of their condition. At The Insurance Surgery, we can help you find the right insurance provider for your circumstances.

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

The Insurance Surgery is a specialist life insurance expert for those suffering from Coeliac disease. Over the years we have helped many coeliacs find the right cover for their needs, and can point you in the right direction of leading insurers offering the right cover for you.

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

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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.

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Coeliac Disease Life Insurance

What Is Coeliac disease life insurance?

Diarrhoea

Stomach cramps

Discomfort and bloating

Constipation

Passing wind

Indigestion

Weight loss

Feeling tired

An itchy rash (dermatitis herpetiformis)

Heightened risk of disorders linked to co-ordination

Nerve damage

Delayed puberty (in children)

Weak bones and osteoporosis

Anaemia and general weakness

Iron deficiency

Vitamin B12 deficiency

Problems getting pregnant (in women)

Low weight babies (when giving birth)

Bowel cancer

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

How often your symptoms flare up

When you were first diagnosed with the condition

Any medications you take to manage your symptoms

Any other associated health complications

Critical Illness Cover

Income Protection Insurance

Coeliac disease 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​

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!*