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Neurofibromatosis Type 1 Life Insurance

You may have found it difficult to secure life insurance with Neurofibromatosis Type 1. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Neurofibromatosis Type 1 Life Insurance?

The Insurance Surgery is a leading insurance expert for people with pre-existing medical conditions who need cover to protect their families, homes or businesses such as Neurofibromatosis type 1 life insurance, critical illness cover and income protection.

Anyone with a medical condition who needs any form of personal protection insurance for themselves will generally find that there will be additional requirements from underwriters. There are a number of potential outcomes for Neurofibromatosis type 1 life insurance, critical illness cover or income protection which is why it is so important to speak to a specialist who understands your needs and how underwriting works.

Symptoms of Neurofibromatosis type 1:

Patches on the skin

Freckles

Lumps under or on the skin

How Neurofibromatosis type 1 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!

There are several critical areas which will be assessed by underwriters when assessing any application for Neurofibromatosis type 1 life insurance, critical illness cover and income protection, including:

Your current age

Severity of symptoms

Treatments or medication

Other related/non-related conditions

General state of health

If you need any help with your application for Neurofibromatosis type 1 life insurance, critical illness cover or income protection then you should contact one of our team of experts. We offer free advice and our price match promise means that we will do our very best to beat any like for like insurance offer from another company or insurance provider.

Critical Illness Cover

There is a possibility of getting Neurofibromatosis type 1 critical illness cover and terms will vary depending on your age, severity of symptoms and your health. Most applications we see for Neurofibromatosis type 1 critical illness cover require you to provide a copy of your medical report from your GP and will ask for details about your condition on the application form.

Offers for Neurofibromatosis type 1 critical illness cover can vary from no impact on premiums, so the same as someone with no medical conditions to possible decline depending on your health. There are some possible exclusions which may be applied to your offer of cover depending on which insurer we apply to for you.

Income Protection Insurance

It is also possible to get cover for Neurofibromatosis type 1 income protection and the premium levels will depend on similar factors to critical illness cover for Neurofibromatosis type 1. Insurance underwriters will almost always want to see a copy of your medical records from your GP or specialist as well ask how much time off work you have had in recent years.

Neurofibromatosis type 1 life insurance

Anyone with a pre-existing medical condition will be classed as non-standard, including an individual looking for Neurofibromatosis type 1 life insurance. There are a number of possible outcomes depending on your health, medical status and which insurance provicder you apply to for Neurofibromatosis type 1 life insurance due to the fact that underwriting criteria is different from one insurer to another.

Some of the main factors which will be assessed by underwriters when reviewing an application for Neurofibromatosis type 1 life insurance:

How long have you suffered from Neurofibromatosis type 1

What are your symptoms

How severe are your symptoms

Do you have any other health or medical conditions

It is possible to get Neurofibromatosis type 1 life insurance at the same rate as someone with no medical issues if your condition is mild with no major health problems. Your insurance offer will depend on the severity of your condition and which insurance provider we apply to for you for Neurofibromatosis type 1 life insurance.

In most cases you will be required to provide a copy of your medical records from your GP for this type of cover due to the fact that Neurofibromatosis type 1 is a rare condition. If you have previously applied for Neurofibromatosis type 1 life insurance or need advice then you should speak to one of 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 a free quote for Neurofibromatosis type 1 life insurance, critical illness cover or income protection then you should contact one of our team of experts by completing our enquiry form or call 0800 083 2829. At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

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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Neurofibromatosis Type 1 Life Insurance

What Is Neurofibromatosis Type 1 Life Insurance?​

Patches on the skin

Freckles

Lumps under or on the skin

How Neurofibromatosis type 1 life insurance, critical illness cover and income protection works

Your current age

Severity of symptoms

Treatments or medication

Other related/non-related conditions

General state of health

Critical Illness Cover

Income Protection Insurance

Neurofibromatosis type 1 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:

What Is Neurofibromatosis Type 1 Life Insurance?

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!*