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Hepatitis B Life Insurance

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

What Is Hepatitis B Life Insurance?

Our team of insurance experts specialises in working with people living with or who have suffered from pre-existing medical conditions such as Hepatitis B life insurance, critical illness cover and income protection.

We know from our many years of experience that it can be difficult to get cover for people who have suffered from a medical including Hepatitis B for life insurance, critical illness cover or income protection because of the potential additional risks relating to your condition. Underwriters will review your application based on your medical history and existing health to assess the levels of risk for your individual circumstances which can vary dramatically from one insurer to another.

The Insurance Surgery has been working with and helping people to find non-standard insurance terms such as people with Hepatitis B looking for life insurance, critical illness cover or income protection. Our advisers have worked with a vast number of medical conditions, occupations or extreme sports which includes Hepatitis B life insurance, critical illness cover and income protection to help you to get the cover you need to save money as well as get the cover you need to protect your family.

How Hepatitis B 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!

You can often get cover for Hepatitis B life insurance, critical illness cover and income protection which can be based on a range of different factors such as:

How you contracted the virus

Any liver damage

Have you recovered from Hepatitis B

Medication / treatment

Any other medical or health problems

For more information about or quote for Hepatitis B life insurance, critical illness cover or income protection you should contact our team of advisers. We aim to help people like you to find the right cover to protect your family, home or business and to help to save you money on your cover.

Critical Illness Cover

It is also possible to get Hepatitis B critical illness cover from standard rates where the virus has been treated with no long lasting damage to your liver. Rates and terms for Hepatitis B critical illness cover can vary depending on how you contracted the virus (e.g. drug use) and whether you still have the Hepatitis virus. You may find in certain circumstances that if the virus was contracted from drug use or if there is longer lasting damage to the liver then cover may be accepted on special terms.

For anyone who is still outstanding treatment or investigations as well as people who still have the virus you may find that Hepatitis B critical illness cover will either be postponed pending results or could potentially be declined by high street providers.

There are certain specialist insurance products and providers who may be able to offer Hepatitis B critical illness cover if the condition is not accepted by mainstream companies.

Income Protection Insurance

Income protection for Hepatitis B should also be available from most mainstream or high street insurers and can be obtained with no loadings or special terms. If you are still classed as having the virus or is you contracted the virus from the use of drugs then you may find that Hepatitis B income protection will be slightly more difficult to get.

Possible outcomes if you were a drug user and contracted Hepatitis B for income protection are you could be accepted with special terms imposed such as exclusions or you could be declined cover.

Hepatitis B life insurance

Usually there is a good chance that you can get Hepatitis B life insurance and especially where you have fully recovered from the virus with no long lasting damage to your liver. Insurance underwriters will want to know more information about your medical history, your general health and your Hepatitis B such as where or why you contracted the virus. We understand that there are many ways that this condition can be contracted. It can be transmitted from mother to baby at birth and can be spread via unprotected sex. We will help you find insurance no matter how you came to have the virus but some methods of contraction may lead to higher premiums than others.

If you are looking for Hepatitis B life insurance and you contracted the virus from drug use or sharing needles then you will find it more difficult to get cover. If you are still a drug user (except for Marijuana) and need Hepatitis B life insurance then it is unlikely that you will be able to get cover.

Some of the main factors which will be taken in to account when underwriters are reviewing an application for Hepatitis B life insurance include:

When did you have Hepatitis B and how did you contract the virus

Was your Hepatitis B drug related

Have you got any long lasting damage to your liver

Do you still have Hepatitis B

Have you got any other health or medical problems

For more information, advice or a quote for Hepatitis B life insurance you can contact one of our expert advisers who will be able to tell you which cover is available to you and give you an idea of cost.

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

For more information, advice or a quote for Hepatitis B life insurance, critical illness cover and income protection then you should get in touch with The Insurance Surgery who are here to help.

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

Forbes Advisor, 2025

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
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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Hepatitis B Life Insurance

What Is Hepatitis B Life Insurance?

How Hepatitis B life insurance, critical illness cover and income protection works:

How you contracted the virus

Any liver damage

Have you recovered from Hepatitis B

Medication / treatment

Any other medical or health problems

Critical Illness Cover

Income Protection Insurance

Hepatitis B 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 beatthe price and also give you a £50 gift card!*

Frequently Asked 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

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*