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Irritable Bowel Syndrome (IBS) Life Insurance

You may have found it difficult to secure Irritable Bowel Syndrome (IBS) Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Causes IBS?

The cause of Irritable Bowel Syndrome is unclear but is linked to the oversensitivity of the gut. This could be due to overactive instructions from the brain through times of stress and anxiety, or by intolerance to certain foods.

Some Typical Symptoms Of Irritable Bowel Syndrome

Stomach pains / cramps

Bloating of the stomach

Change in bowel habits could be constipation, diarrhoea or both

Lack of energy

Back pain

Nausea

Irritable Bowel Syndrome (IBS) Life Insurance How It 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!

Here are some things insurers will need to know when you are applying for Irritable Bowl Syndrome Life Insurance:

How often do you suffer from symptoms

When were you diagnosed with Irritable Bowel Syndrome

Do you take any medication

What triggers your symptoms / any linked conditions

The Insurance Surgery are specialists in obtaining cover for people with pre-existing conditions. Irritable Bowel Syndrome Life Insurance is just one of the many conditions we can help with. Our experienced advisors search the whole of the market to get you the insurance you are looking for.

Critical Illness Cover

Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.

You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.

If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.

Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.

Income Protection Insurance

If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.

This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.

UK Irritable Bowel Syndrome (IBS) Statistics

Around 1 in 5 people will experience symptoms of IBS at some point in their lives

Approximately twice as many women as men are sufferers

Typically symptoms first occur between the ages of 20 and 30

Treatment For Irritable Bowel Syndrom

Typically IBS is managed through diet and lifestyle choices such as:

A carefully managed diet that avoids foods that trigger symptoms (often different for individuals so keeping a food diary can help to identify these trigger)

Manage the amount of fibre eaten (more for constipation symptoms and less for diarrhoea)

Regular exercise often helps ease symptomsReduce stress levels

If medication is prescribed some types are:

Laxatives / antimotility medication

Antispasmodics (to ease cramps)

Low dose antidepressants

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 has for over 15 years specialised in obtaining financial services for clients with Irritable Bowel Syndrome (IBS). Whether you are looking for Travel Insurance, Life Insurance, Income Protection Insurance or would just like to obtain some information we will do our utmost to help. If you live with Irritable Bowel Syndrome (IBS) and you require a quotation for life insurance please note that we guarantee to obtain the most competitive life insurance quotes available. Please read our summary of how IBS can affect your insurance needs.

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

Will having Irritable Bowel Syndrome cause my premiums to be higher?

Insurance for people with pre-existing medical conditions is assessed on an individual basis. Cost is influenced by things such as the severity of symptoms, medication taken and how well managed the condition is. Often if Irritable Bowel Syndrome is your only medical problem and it is simply managed by diet and lifestyle premiums may be on standard rates

I have previously been turned down for life insurance, does this matter?

Just because one company has said no to cover doesn’t necessarily mean all providers will say the same. The team of expert advisors at The Insurance Surgery know which companies to approach depending on your condition and circumstances.

Why should I apply through a specialist broker?

The Insurance Surgery have over 16 years of experience in obtaining life insurance for people with conditions such as Irritable Bowel Syndrome. We offer a full advice service to help you work out what insurance you need, we take all the hard work out of the application by applying for any reports the insurers may require, and we charge no fee for this service.

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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Irritable Bowel Syndrome (IBS) Life Insurance

What Causes IBS?

Stomach pains / cramps

Bloating of the stomach

Change in bowel habits could be constipation, diarrhoea or both

Lack of energy

Back pain

Nausea

Irritable Bowel Syndrome (IBS) Life Insurance How It Works:

How often do you suffer from symptoms

When were you diagnosed with Irritable Bowel Syndrome

Do you take any medication

What triggers your symptoms / any linked conditions

Critical Illness Cover

Income Protection Insurance

UK Irritable Bowel Syndrome (IBS) Statistics

Treatment For Irritable Bowel Syndrom

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:

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