What Is Overactive Thyroid Life Insurance?
We specialise in offering insurance advice to people who are classed as non-standard by underwriters because of their medical history, occupation or sport, such as Overactive Thyroid life insurance, critical illness cover and income protection.
You may think that a relatively mild condition such as Overactive Thyroid would not affect life insurance, critical illness cover or income protection premiums, which may be true depending on the severity of your symptoms and how long you have suffered from the condition. As with any pre-existing medical condition, there are certain insurers who are better for certain conditions than others based on their underwriting criteria and your individual circumstances, which is where our expertise will help to save you time and money.
Anyone looking for Overactive Thyroid life insurance, critical illness cover and income protection to protect their family, homes or businesses should make sure that they speak to a specialist such as The Insurance Surgery. Our team of leading insurance experts know more about underwriting than most companies which is why we know how to save you money on your premiums and wasting time on pointless applications.
Symptoms of Overactive Thyroid:
Mental health (e.g. anxiety, nervousness or mood swings)
Tiredness
Weak muscles
Persistent thirst
Urinate more regularly
Diarrhoea
Underwriters when assessing an application for Overactive Thyroid life insurance, critical illness cover or income protection, will want to know about your symptoms to evaluate your own circumstances and health.
Treatment for Overactive Thyroid:
Medication (Thionamides)
Radioiodine treatment
Surgery (remove all or part of Thyroid)
How Overactive Thyroid life insurance, critical illness cover and income protection works:
Some of the main things that would be assessed when an underwriter is reviewing an application for Overactive Thyroid life insurance, critical illness cover or income protection are:
Date and age at diagnosis
Treatment or medication
Any surgery
BMI level (any change recently)
Any other health or medical issues
If you need help with your Overactive Thyroid life insurance, critical illness cover or income protection quotes then you should contact one of our team of experts who will be able to help guide you. We offer a price match promise which means that we promise to aim to beat any like for like offer from another insurance company.
Critical Illness Cover
You should also be able to get Overactive Thyroid critical illness cover at the same rates as someone with no medical problems, again based on the levels of risks related to this particular condition and this type of cover. Most applications for Overactive Thyroid critical illness cover will also generally not require a report from your GP to support your application which will save you time.
In some cases where the condition is not well controlled or if there are other issues such as low BMI, loss of vision or mental health issues then you may find that your premiums could change or exclusions may apply. Some insurance providers are better than others for underwriting more severe cases for Overactive Thyroid critical illness cover which is where our knowledge and expertise will help you to go to one of the best providers for you.
Income Protection Insurance
There is also a very good chance of being and to get Overactive Thyroid income protection cover at the same rates as an individual with no health problems. However, it can be slightly more difficult to get Overactive Thyroid income protection because of the increased risks of this condition relating to your potential health and ability to work. This all depends on your circumstances in terms of how well you control your condition with medication and whether your condition has caused you to have much/any time of work recently.
Overactive Thyroid life insurance
In most cases you should be able to get Overactive Thyroid life insurance at the same rates as someone with no medical or health issues because generally this type of pre-existing condition is considered to be fairly mild and low risk. The majority of applications for Overactive Thyroid life insurance also will not require any medical evidence from your GP which makes the process a lot quicker and easier for you.
Some of the major areas of concern when underwriters are assessing an application for Overactive Thyroid life insurance are:
What age were you when you were diagnosed with Overactive Thyroid
Have you had any surgery to remove some or all of your Thyroid
Has your weight changed much recently
What is your general health and do you have any other medical issues
In some cases where there are other medical concerns such as low BMI or mental health issues which can be related to Overactive Thyroid then there may be some potential impact on premiums for life insurance. If your condition is more severe or if you have recently been diagnosed, or even if you are still awaiting results of a test, then you may find that your premiums for Overactive Thyroid life insurance could increase to reflect the higher risks that may be involved.
