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Colitis life insurance

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

What Is Colitis life insurance ?

The Insurance Surgery is a top insurance specialist for people who have suffered from or currently live with a pre-existing medical condition which includes Colitis life insurance, critical illness cover and income protection. If you need to protect your families financial future then you should consider life insurance to ensure that they are financially secure in the unfortunate event of anything happening to you. Even those with a medical issue such as Colitis life will still need insurance, critical illness cover and income protection to make sure that their children and partners. Generally if you have a pre-existing medical condition which is high risk then your application will be reviewed by underwriters and you could be required to provide copies of your medical records from your GP or specialist. There is also a range of possible outcomes when you are applying for Colitis life insurance, critical illness cover and income protection that can vary from standard rates up to possible decline if your condition is severe enough.

Here we look at how an application for Colitis life insurance, critical illness cover and income protection will be assessed by insurance underwriters to begin to explain what you might expect.

It is also important to speak to a Colitis life insurance expert who has a good understanding of underwriting to be able to tell you which insurers would be best for you based on your circumstances.

Main types of Colitis:

Different types of Colitis will have different implications when it comes to underwriting for Colitis life insurance, critical illness cover and income protection. It is also the case that rates and premiums for Colitis life insurance will vary dramatically from one insurance provider to another which is where our expertise comes in.

 

How Colitis 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!

If you are applying for Colitis life insurance, critical illness cover and income protection then you should be aware that your premiums and cover options will be based on your answers to questions such as:

Date diagnosed

Type of Colitis

Medication

Treatment

Other health issues

For more information about Colitis life insurance, critical illness cover and income protection or a free no obligation quote you can contact any of our team of experts on 0800 083 2829 today.

Critical Illness Cover

It is also possible to get a policy to provide Colitis critical illness cover in some circumstances but there are also situations where it may not be possible to get this type of cover where the symptoms are more regular or severe.

You should be aware that insurance underwriters may want to see copies of your medical records to support your application for Colitis critical illness cover which is generally the most common process.

It is likely that you will be offered non-standard terms for Colitis critical illness cover if you are eligible for cover based on the levels of possible risk for this condition. You could find that your policy will be offered with potential exclusions for certain related critical illnesses.

Income Protection Insurance

It may also be possible to get Colitis income protection cover in some circumstances where the symptoms are mild or infrequent.

Insurance underwriters will want to know whether you have had much time off work in recent years due to your condition as well as your general health which will help them to assess your application for Colitis income protection.

Colitis life insurance

There are a number of possible outcomes when applying for Colitis life cover which can vary from one insurer to another and depending very much on your own circumstances.

You will often be asked to provide a copy of your medical records from your GP or specialist which we will obtain on your behalf. It is possible to get Colitis life cover at the same rates and premiums as someone with no medical issues where the symptoms are mild or if you have very few attacks. Often however it is more likely that your application for Colitis life insurance would be accepted with a slight increase in premiums depending on the levels of risk involved.

Premiums for Colitis life insurance will depend on:

How old were you when you were first diagnosed with Colitis

What type of Colitis do you suffer from

How many attacks do you suffer and how regularly are they

What are your symptoms

Which medication or treatment do you take

It is possible that in some instances where the symptoms are more severe or if the number of attacks are more frequent then you may find that premiums for Colitis life insurance could increase. You may have also already applied for Colitis life insurance in the past and have been declined cover because of your medical circumstances which we can review for you to ensure that your cover is appropriate or suitable based on your situation.

 

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​

For more information about a quote or advice on Colitis life insurance, critical illness cover and income protection then you can contact one of our team of experts on 0800 083 2829 today.

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.

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.

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.

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.

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.

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.

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