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Graves’ Disease Life Insurance

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

What is Graves’ Disease life insurance?

The Insurance Surgery is a leading expert for people who are classed as non-standard or high risk who are looking for insurance to protect themselves, their family and their homes, such as for Graves’ Disease life insurance, critical illness and income protection. We aim to find you the most suitable cover to provide you with the financial security you need no matter what life throws at you.

Our team of experts has a vast amount of knowledge and expertise in dealing with people with a wide variety of pre-existing medical conditions including Graves’ Disease life insurance, critical illness and income protection.

If you are looking for a specific type of cover or whether you just need to speak to one of our experts to find out what cover is available for you based on your medical history and personal circumstances.

Graves’ Disease life insurance, critical illness and income protection is often fairly straight forward but it is still important to speak to a specialist with enough experience to be able to help and ultimately save you money.

How Graves' Disease life insurance, critical illness 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!

Due to the nature of Grave’s Disease and the fact that it is considered to be a lower risk condition, it is possible to get life insurance, critical illness and income protection based on:

Date of original diagnosis

Severity of symptoms

Medication or treatment

State of general health

Any other medical issues

For more information, advice or a quote for Grave’s Disease life insurance, critical illness and income protection speak to one of our experts today.

Critical Illness Cover

Often we find that Graves’ Disease critical illness cover is available from the majority of mainstream insurance providers and especially where the condition is mild and well controlled.

For anyone looking for Graves’ Disease critical illness cover there will be a range of possible decisions which can range from standard rates with no exclusions or special terms up to either loaded premiums or more where the condition is more severe or with the combination of other medical issues.

If you have previously applied for Graves’ Disease critical illness cover and had issues because of your medical condition or your health then it may be important to speak to an impaired lives expert such as The Insurance Surgery.

Insurance underwriting for Graves’ Disease critical illness cover will vary from one insurance company to another which is where our expertise will help to save you money.

Income Protection Insurance

As with other types pf personal protection cover, Graves’ Disease income protection insurance can be available from standard rates with no exclusions or special terms up to some premium loadings or exclusions for more severe or less well controlled conditions. Insurance underwriters will review your application based on your health, medical history and specific details around your condition for Graves’ Disease income protection.

If you have recently experienced health or medical issues relating to your condition which has caused you to require extended periods of time off work then you may find that your offer of cover could be impacted.

Graves’ Disease income protection will be underwritten based on the information that you provide on your application and potentially will require additional medical information from your GP.

Graves’ Disease life insurance

Anyone looking for Graves’ Disease life insurance will generally find that the condition on its own should not cause any major issues in getting cover. Graves’ Disease life insurance can be available from the insurers standard rates with no special terms imposed up to special terms where the condition is either more severe or if there are other medical conditions present.

There may also be a requirement for you to provide a copy of your medical report or records from your GP when applying for Graves’ Disease life insurance, especially where there are other medical or health problems.

Key factors which will be taken in to consideration by insurance underwriters when applying for Graves’ Disease life insurance include:

What treatment or surgery have you received

How well controlled is your condition

Are there any other health or medical issues

If you need any further information, advice or a quote for Graves’ Disease life insurance then you should get in touch with our team of experts at The Insurance Surgery. We are able to find cover from top insurance providers regardless of your medical history or health and where other companies failed to get cover in the past.

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 to get Graves’ Disease life insurance, critical illness or income protection then you should contact our team of experts to find out more.

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.

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By Policy

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Life and Health Insurance for Business

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Graves’ Disease Life Insurance

What is Graves’ Disease life insurance?​

How Graves' Disease life insurance, critical illness and income protection works:

Date of original diagnosis

Severity of symptoms

Medication or treatment

State of general health

Any other medical issues

Critical Illness Cover

Income Protection Insurance

Graves’ 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​

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:

What is Graves’ Disease life insurance?

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