FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

Labyrinthitis Life Insurance

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

What Is Labyrinthitis Life Insurance?

The Insurance Surgery is a leading insurance specialist for people who are living with or who have suffered from a pre-existing medical condition, including Labyrinthitis life insurance, critical illness cover and income protection. Most people who have had a medical condition or who are living with a medical condition may find that life insurance and other personal protection policies may find that there are certain additional requirements or potential increases to premiums where the risk is considered high enough. In cases such as Labyrinthitis life insurance, critical illness cover and income protection, often there will be no major issues as this is considered to be a mild condition in most instances. Our team of experts has worked with and helped thousands of people with medical issues to get cover so we know which insurers are best for things like Labyrinthitis life insurance, critical illness cover and income protection. It is often possible to get cover through a standard insurance company but that may not be the best company for you based on your needs and circumstances.

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 Labyrinthitis 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!

A number of the major factors which will be considered by underwriters when assessing an application for Labyrinthitis life insurance, critical illness cover and income protection are:

Age at diagnosis

Severity and frequency of symptoms

Treatment or medication

Other medical issues

Overall health

Our team of Labyrinthitis life insurance, critical illness cover and income protection specialists are highly skilled and experienced in dealing with similar applications to yours so we know what to do to help.

Critical Illness Cover

Generally it is also possible to get Labyrinthitis critical illness cover without too many issues and very often your premiums will be the same as someone with no medical issues. If there are no other medical issues and the condition is mild with infrequent symptoms, there will also often be no need to provide any further medical evidence from your GP or specialist. There are some cases where Labyrinthitis critical illness cover can be offered with some increases to premiums which can be due to other medical issues or if your symptoms are more frequent and severe. Any increases to premiums for Labyrinthitis critical illness cover will relate to the levels of risk for your application.

Income Protection Insurance

You should also be able to get Labyrinthitis income protection cover and in most cases the policy should be available at the same rates as for people with no medical issues. Premiums can vary from normal rates where the condition is mild or infrequent to possible higher premium loadings or exclusions if symptoms are more frequent or if there is an underlying cause.

Labyrinthitis life insurance

Usually it is fairly simple to be able to get Labyrinthitis life insurance as this is considered to be a low risk medical condition for this type of policy. Most cases we see where the Labyrinthitis is either mild or if there are no other medical issues then it is possible to get cover at the same rates as a person in perfect health. It is also common to be able to get Labyrinthitis life insurance without having to provide insurance underwriters with any medical evidence which means that you can get instant cover from your application.

If you have another related on non-related medical problem then you may find that there are additional requirements and possible increases to premiums depending on the levels of risk relating to your circumstances.

Some of the main factors for underwriters when reviewing an application for Labyrinthitis life insurance are:

When you were first diagnosed with Labyrinthitis

How often and severe are your symptoms

The date of your initial diagnosis

Are there any related medical issues (e.g. Stress, Diabetes, Stroke etc.)

What type of Labyrinthitis (e.g. Viral, Chronic, Bacterial etc.)

For more information about Labyrinthitis life insurance or to get a quote for cover you should contact our team of experts.

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 or advice to get Labyrinthitis life insurance, critical illness cover and income protection then you should contact one of our team of specialists.

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.

Family

By Policy

Helpful Information

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Labyrinthitis Life Insurance

What Is Labyrinthitis Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Labyrinthitis life insurance, critical illness cover and income protection works

Age at diagnosis

Severity and frequency of symptoms

Treatment or medication

Other medical issues

Overall health

Critical Illness Cover

Income Protection Insurance

Labyrinthitis 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!*