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Deafness and hearing loss can occur at any time, and can arise over a slow period of time, or rather quickly, depending on the circumstances. Deafness can affect one ear or both ears. Deafness in just one ear can be a result of an ear infection, a build up of liquid, a burst eardrum or Meniere’s disease. It is also possible to become deaf after prolonged exposure to a very noisy environment. If there is deafness in both ears, this could be as a result of the ageing process. To reduce further damage to your hearing, you should always wear ear defenders in noisy environments, listen to music at a moderate to quiet level, protect your ears at musical concerts by wearing ear plugs, and avoid placing things inside your ears to clean them (such as cotton buds).
Deafness can improve on its own in some cases, such as if the cause is a build up of ear wax or an ear infection. However, for those who experience gradual and worsening deafness as they age, this could be permanent.
If you are suffering from deafness, you might find that you benefit from a hearing aid or implant. In extreme cases of deafness in which communication is difficult, it may be useful to learn sign language.
Common signs and symptoms of deafness include:
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.
When you make an application for deafness life insurance, insurers will generally consider the following:
The Insurance Surgery specialises in finding the right life insurance policies for those living with deafness. We carefully assess your circumstances and compare the market to identify the best cover plans for your needs. Simply fill in one of our online forms to receive a free no-obligation quote for deafness life insurance.
Critical illness cover could be available to you if you are deaf, although this will depend on your circumstances and whether your hearing loss is as a result of something more serious, such as a brain trauma, major injury or cancer. An insurer will always assess your condition and consider whether your deafness is likely to be considered a ‘risk’.
This could be the case if you have an associated underlying health condition that is linked to your hearing loss. An insurer might request a report from your GP.
Application criteria for critical illness cover generally tends to be stricter than applications for life insurance. While you might be offered cover with standard terms, if you have had health complications as a result of your deafness, you may be offered cover at a non-standard rate.
Get in touch with us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that meets your needs.
If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.
This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.
Underwriting for deafness life insurance will depend on the following factors that insurers will assess regarding your application:
Whether your deafness affects one or both ears
The cause of deafness
Underlying medical causes of your deafness
Associated injury
Your age
Your general health
Medications prescribed
If there is a medical reason for your hearing loss, an insurer will want more information from you. For instance, if you have suffered deafness as a result of injury or trauma, a pre-existing medical condition or otherwise, an insurer will want more details on the severity of your condition. You may not be eligible for standard life insurance premiums, depending on the insurers’ evaluation of your circumstances. If you have had long-term deafness for a long time and it has been caused by ageing or through hereditary factors, a standard premium is more likely to apply, as deafness is not considered to be a major impact on life expectancy.
An insurer might want to see a medical report from your GP to gain an idea of your current health and the severity of your deafness. If your deafness has occurred as a result of an underlying health condition, it is likely that you will be offered life insurance with increased premiums. If however you have had deafness for a long time as a result of ageing, an insurer may accept you with standard terms. At The Insurance Surgery, we have helped many people with deafness find the right life insurance cover for their needs.
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.
We take pride in the experience that we offer, guaranteeing excellent service at all times.
With 25 years of specialist life and protection experience, we can find the perfect policy for you.
With a broad selection of partners, we are well-equipped to find the best insurance deals for you.
Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.
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.
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.
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:
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:
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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.
Stay informed with the latest updates in the insurance industry for 2025 here.
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