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Fatty Liver Disease Life

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

What Is Fatty Liver Disease Life Insurance?​

Insurance for people who are classed as non-standard or high risk because of their health can be like negotiating a minefield sometimes because of the ways that different insurance providers look at conditions, such as for Fatty Liver Disease life insurance, critical illness cover and income protection for this condition.
 

It is important to ensure that you speak to someone who has experience in dealing with insurance applications for people with pre-existing medical conditions so that they know who will offer the best terms for you based on your medical history or health.

Fatty Liver Disease life insurance, critical illness cover and income protection terms will vary based on your own circumstances and several varying factors which we will detail below.

The Insurance Surgery is a leading insurance expert for people with a medical issue such as for Fatty Liver Disease life insurance, critical illness cover and income protection based on our many years of experience and expertise.

Our team of skilled advisers help thousands of people every year to get the right cover to protect themselves, their families and their homes.

How Fatty Liver 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!

Fatty Liver Disease (or Non-alcoholic Steatohepatitis) when applying for life insurance, critical illness cover or income protection will be assessed based on some key factors such as:

Age of diagnosis of Fatty Liver Disease

Underlying cause of your condition

Severity of symptoms and frequency

Any scarring or Cirrhosis

Type of treatment or medication

Our team of experts are dedicated to and specialise in helping people with pre-existing medical conditions looking for insurance, including Fatty Liver Disease life insurance, critical illness cover and income protection. For anyone who has been diagnosed with Fatty Liver Disease who is looking for life insurance, critical illness cover or income protection to protect their loved ones then we are here to help.

Critical Illness Cover

There are a number of potential outcomes for Fatty Liver Disease critical illness cover based on your health, severity of your condition and how much the condition has progressed in terms of damage to your liver.

As with other Liver related conditions such as Diabetes and Alcoholism it may be difficult to get this type of cover however this is something that is constantly changing and could be different by the time you need Fatty Liver Disease critical illness cover so well worth making an application or enquiry.

Fatty Liver Disease critical illness cover will also be based on other factors such as whether or not you are a smoker and your BMI levels which can have an effect on premiums and potential exclusions.

Some cases we see for Fatty Liver Disease critical illness cover are accepted from standard rates all the way up to higher loadings or even decline depending on the severity and progression of the condition.

If you have applied for Fatty Liver Disease critical illness cover previously and you are either not happy with the cover that you have been offered or if you were declined cover then you should speak to one of our experts.

Income Protection Insurance

It is very possible to be able to get cover for Fatty Liver Disease income protection based on your BMI, the cause of your condition and whether or not you have had much time off work recently due to your condition.

If your condition is mild to moderate with a relatively low BMI then you may well find that you are able to get Fatty Liver Disease income protection at standard rates with no exclusions.

For more severe cases where the condition has resulted in longer lasting damage to the liver tissue or if your BMI levels are high then you may find that Fatty Liver Disease income protection cover will be offered with a premium loading and/or some liver exclusions.

Fatty Liver Disease life insurance

There are a number of potential outcomes when applying for Fatty Liver Disease life insurance based on your health, age and level of cover you need. You should be aware that in a lot of cases there will be a requirement for you to provide some sort of medical evidence to support your application such as a medical report from your GP.

Some of the key things that will be taken in to consideration when assessing your application for Fatty Liver Disease life insurance will be:

How old were you when you were first diagnosed with Fatty Liver Disease

What was the cause of your condition

Have you had any scarring or Cirrhosis

If you are looking for Fatty Liver Disease life insurance and you don’t know what to do to get the best cover to protect your family then you should speak to one of our experts who can help. Generally if there are additional medical disclosures on a life insurance application then there will be a need to speak to a specialist insurance company like The Insurance Surgery.

 

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.

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:

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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.

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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