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Hypermobility Syndrome Life Insurance

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

What Is Hypermobility Syndrome Life Insurance?

Our team of insurance experts at The Insurance surgery work with people who have pre-existing medical conditions such as those needing Hypermobility Syndrome life insurance, critical illness cover and income protection to protect their families.

It is especially important for people who are classed as non-standard by insurance providers to get the right advice to make sure that they get the right cover without costing the earth. Most standard insurance companies tend to shy away from dealing with people with a pre-existing medical condition such as Hypermobility Syndrome for life insurance, critical illness cover and income protection because they either do not have the experience or they simply do not want to deal with doctors reports etc.

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 Hypermobility Syndrome 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!

Several main factors will affect an application for Hypermobility Syndrome life insurance, critical illness cover or income protection which will be taken in to account by underwriters, such as:

Date of diagnosis

Symptoms (e.g. Frequency and Severity)

Joints affected

Other health or medical issues

Family history

If you are looking for advice or a quote for Hypermobility Syndrome life insurance, critical illness cover or income protection then you should contact one of our team of specialists to find out more. Anyone with Hypermobility Syndrome looking for life insurance, critical illness cover and income protection to protect their family, home or business should speak to a specialist like us.

Hypermobility Syndrome critical illness cover

The vast majority of applications for Hypermobility Syndrome critical illness cover are also accepted at the insurers standard rates without the need for further medical evidence.

In some cases where the condition is slightly more severe or if symptoms are more regular then there may be a requirement for additional underwriting for Hypermobility Syndrome critical illness cover.

Most of the applications that we have dealt with in recent times for Hypermobility Syndrome critical illness cover have generally been accepted at standard rates with no issues as this is a fairly mild condition generally.

Hypermobility Syndrome income protection

It can be slightly more difficult to get Hypermobility Syndrome income protection than it is to get life insurance or critical illness cover, mainly because of the slightly increased risk for time off work.

There are some insurance providers who are certainly more favourable for Hypermobility Syndrome income protection so it may well be just a case of ensuring that you apply to the right company which is what we’re here to help you with.

If you have slightly more severe symptoms or if you have had a number of issues recently which has caused you to have time off work then you may find that the cover you need could cost slightly more. Hypermobility Syndrome income protection premiums are based on your own circumstances and therefore will be assessed on a case by case basis.

Hypermobility Syndrome life cover

A person looking for Hypermobility Syndrome life cover will generally find that the cover they need should be available to them and very often there will not be a problem if there are no major issues or other health problems. Generally for someone who needs to get Hypermobility Syndrome life cover then the cover will be available at the insurance providers standard rates.

The main considerations for an underwriter when assessing an application for Hypermobility Syndrome life cover will be:

When were you diagnosed with Hypermobility Syndrome

How often are your symptoms

How severe are your symptoms

What treatment, medication or surgery have you had/are you having

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

Generally if the symptoms are mild and there are no other health issues then you should find that cover for is readily available with no need for medicals or any GP reports. You should in most cases be able to get Hypermobility Syndrome life insurance off application and instantly as long as you apply to the right insurance provider, which is where we come in.

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 Hypermobility Syndrome life insurance, critical illness cover and income protection then you should contact one of our team of experts to get advice or a free quote.

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
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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Life and Health Insurance for Business

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Hypermobility Syndrome Life Insurance

What Is Hypermobility Syndrome Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Hypermobility Syndrome life insurance, critical illness cover and income protection works:

Date of diagnosis

Symptoms (e.g. Frequency and Severity)

Joints affected

Other health or medical issues

Family history

Hypermobility Syndrome critical illness cover

Hypermobility Syndrome income protection

Hypermobility Syndrome life cover

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!*