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Parkinson’s Disease Life Insurance

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

What Is Parkinson’s Disease Life Insurance?

This is a neurological condition which causes progressive damage to the brain as the years pass. It is caused by a loss of nerve cells in a part of the brain which then leads to a reduction in the amount of the chemical dopamine in the brain. As dopamine plays a part in regulating movement it is the reduction of this chemical that results in the symptoms commonly seen with Parkinson’s. The underlying cause of the condition is unclear.

When applying for Parkinson’s Disease Life Insurance some detailed information will be required for underwriters to consider your application such as:

 

Here at The Insurance Surgery, we specialise in helping those with pre-existing medical conditions to apply for life insurance. Parkinson’s Disease Life Insurance is just one of our many areas of specialism. We have years of experience and know where best to look for cover from across the market.

If you suffer from Parkinson’s disease, and you’re looking for life insurance – it is entirely possible that cover is available to you. Unfortunately, it is highly likely that you will need to pay for a high premium as a result of the added risk that you condition presents to the insurer. When applying for Parkinson’s life insurance, the insurer may need to know:

How Coarctation of the Aorta 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!
Insurers will assess these main criteria when considering underwriting and approving an application for a person who wants life insurance with coarctation of the aorta:

Severity of the condition

When you were first diagnosed with coarctation of the aorta

Your age

Whether your coarctation of the aorta has been treated surgically

Medications currently being taken

Family medical history

Whether you smoke

Any other related health complications such as heart disease

At The Insurance Surgery, we are leading specialists for putting people in touch with the best insurers when they are seeking to take out life insurance with a condition like coarctation of the aorta. We understand that every client’s condition and circumstances are different, and will help compare the market to find you the best life insurance providers and cover plans for your needs. Simply enter your details into one of our online forms for your free no-obligation life insurance quote.

Parkinson’s Disease Critical Illness Cover

Similarly to Parkinson’s Life Insurance, Critical Illness Cover (CIC) can be obtained if you have Parkinson’s Disease. However, it is possible that you may have exclusions to your policy, or a loading (price increase) applied to your premium.

This depends entirely on the severity of your condition and each insurer will access your case differently.

Parkinson’s Disease Income Protection

Income Protection for Parkinson’s Disease can be a bit tricky to obtain, however it is possible to get other forms of cover. Depending on your severity, you may have a higher premium to pay or an exclusion placed on your policy: either excluding your condition for a certain period of time or excluding it from your policy entirely.

UK Parkinson’s Disease Statistics…

There are around 127,000 people in the UK with Parkinson’s

Most people with the disease will first notice symptoms age 50+

Around 1-20 of those with Parkinson’s have symptoms before the age of 40

Slightly more men than women are affected

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

Symptoms Of Parkinson's Disease...

The three main symptoms typical of Parkinson’s Disease are:

Tremors – Shaking is most often seen in hands and arms when the limb is released

Muscle Stiffness – This makes movement and facial expressions difficult and can cause painful cramps.

Slowness of Movement – Making daily tasks difficult to carry out

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

Some possible difficulties / complications of Parkinson’s Disease

Difficulty swallowing

Dementia

Depression

Sleep Problems

Bladder Problems

Constipation

Sexual Dysfunction

Treatments Available For Parkinson’s Disease

Parkinson’s Disease is a long-term condition with no cure. Symptoms can be eased with a care plan to include therapies such as physiotherapy and occupational therapy. Good diet and exercise are vital to managing the condition.There are also various medication options to ease some of the typical symptoms such as tremors. Surgery may be available in the form of ‘Deep Brain Stimulation’, this involves fitting a device that sends impulses to the brain to help increase activity and reduce the severity of symptoms.

 

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.

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 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.

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

Will having Parkinson’s Disease mean I pay more for life insurance?

When you apply for life cover with a pre-existing condition to disclose, your application will be passed to underwriters to assess. The cost for cover will be reflective of your individual circumstances. Being an expert specialist insurance broker The Insurance Surgery has fantastic market knowledge so can place your application with the provider who will look most favourably at your condition.

The Insurance Surgery are often able to find you cover even if you have been declined elsewhere. As a specialist in insurance for people with pre-existing conditions such as Parkinson’s Disease, we know who to apply to. We put in the hard work to obtain all the information that the insurers will need to make a decision on your application.

The Insurance Surgery have over 20 years of experience in guiding customers through this specialist insurance application process. Putting in the hard work researching the market and dealing with insurers so you don’t have to.

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