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Haemophilia Life Insurance

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

What Is Haemophilia Life Insurance?

If you have been diagnosed with Haemophilia and you are looking for Life Insurance, Critical Illness Cover or Income Protection, then we’re here to help. We specialise in helping people find competitive Life Insurance with Pre-existing Medical Conditions and this section looks at how people with Haemophilia are affected.

People with Haemophilia that need Life Insurance, will generally find that the terms offered will be favourable and usually standard rates with no premium increase applied.

If the condition is seen to be more sever by Life Insurance underwriters, then there could be an increase applied and generally some evidence from your GP will be requested.

Your Life Insurance premiums will depend on the type of Haemophilia that you have and what treatment / medication you are currently taking. If there have been recent symptoms or attacks that have required on-demand treatment then you will generally find that premiums could be increase or that your application may be postponed to allow for a period of stability or even decline.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

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.

How Haemophilia Life Insurance 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!

People with Haemophilia looking for Life Insurance will be asked to provide certain information to underwriters such as:

Type of Haemophilia (e.g. Type A or Type B)

What medication do you take

When was your last episode / attack

Any hospitalisation due to your Haemophilia

Have you had any recent time off work because of your Haemophilia

Our team of Life Insurance experts at The Insurance Surgery have helped thousands of families and businesses to protect themselves financially, regardless of their medical history. We specialise in finding competitive Life Insurance for people with medical conditions such as Haemophilia.

Critical Illness Cover With Haemophilia

Fortunately, Critical Illness Cover for people with Haemophilia is generally available and usually on the basis of standard rates with no premium increase. As with Life Insurance for Haemophilia, Critical Illness Cover offers the same flexible approach to underwriting where the condition is mild and symptoms are infrequent.

Insurance providers will generally want to see a GP report to support your application and will ask a number of questions about your Haemophilia to assess the risk.

Where there have been more recent events relating to your Haemophilia or the condition is more serious, there may be an increase applied to the premium or special terms offered. If the condition is much more serious, your application for Critical Illness Cover may be decline

Income Protection For Haemophilia

Income Protection for people with Haemophilia is also very possible and in most cases where the condition is mild and under control, standard rates are also possible in our experience.

In the same way as underwriting for Critical Illness and Life Insurance for Haemophilia, there can be a loading applied to your premium or special terms applied for more recent / severe issues or less well controlled.

If the Haemophilia has affected other areas of the body such as joints, there may be an exclusion applied to the policy and in more serious cases we do see some declined applications.

Facts About Haemophilia:

Haemophilia is a genetic condition that is passed down to children by one or both parents, but mainly in males. The cause is where there is a genetic mutation in the DNA sequence which affects the body’s ability to function properly.

The condition Haemophilia is where the body does not have the ability to clot blood which causes prolonged bleeding and bruising can occur very easily.

Haemophilia Statistics (UK):

Approximately 6,000 people are affected

Mainly occurs in males

Joint damage usually happens in older people with severe Haemophilia

Any other associated health conditions such as heart attack or stroke

Associated congenital conditions such as heart disease

Whether you have high blood pressure

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

Symptoms Of Haemophilia

Haemophilia causes the body to bleed excessively for prolonged periods of time and bruising occurs more easily generally. The severity of symptoms and periods of the symptoms will all depend on how severe the Haemophilia is, which is dependant on the level of clotting factors in the blood, for example:

Severe Haemophilia: Less than 1% of normal amount of clotting factors
Moderate Haemophilia: Between 1% and 5% of normal amount of clotting factors
Mild Haemophilia: Between 5% and 50% of normal amount of clotting factors

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 team are experts in Life Insurance for Haemophilia and other pre-existing medical conditions. Since 1999 we have helped thousands of individuals, families and businesses to protect themselves financially against the unexpected. We are passionate about finding you the best cover regardless of your circumstances or health at the right price.

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.

Most Common Questions

Will I pay more for Life Insurance because I have Haemophilia?

In most cases we see, Haemophilia is generally not sever and Life Insurance premiums are not affected or increased. Where the symptoms are more severe and there is a history of internal bleeding of joint damage, then premiums will generally be loaded (increased) to take the additional risk factors in to account.

Which insurance providers offer Life Insurance for Haemophilia?

Life Insurance underwriting terms differ from one insurance provider to another and can also vary over time as each insurer changes their own underwriting guidance. It is important that we approach the best provider for your type and severity of Haemophilia at the time of your Life Insurance application to get the best cover for you and your family, at the right price.

Our team of expert advisors have many years of experience in placing Life Insurance for people with Haemophilia so we know which insurance providers are right for you.

Can I get Income Protection or Critical Illness if I have Haemophilia?

It is generally possible for us to get Income Protection or Critical Illness Cover for Haemophilia when the condition is less severe and well controlled with medication. Most people with Haemophilia can get Critical Illness Cover or Income Protection even when the condition is more severe and there are more recent symptoms or attacks.

In some cases there may be premium loadings applied, special terms (exclusions) or potentially postponed where there have been more recent issues.

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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Haemophilia Life Insurance

What Is Haemophilia Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Haemophilia Life Insurance works:

Type of Haemophilia (e.g. Type A or Type B)

What medication do you take

When was your last episode / attack

Any hospitalisation due to your Haemophilia

Have you had any recent time off work because of your Haemophilia

Critical Illness Cover With Haemophilia

Income Protection For Haemophilia

Facts About Haemophilia:

Haemophilia Statistics (UK):

Symptoms Of Haemophilia

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!*

Most Common Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

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