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Polycystic Kidney Disease Life Insurance

You may have found it difficult to secure Polycystic Kidney Disease Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Polycystic Kidney Disease Life Insurance?

The Insurance Surgery specialises in offering free insurance advice to people who have been diagnosed with a pre-existing medical condition which can include Polycystic Kidney Disease life insurance, critical illness and income protection. Anyone living with a medical issue who has previously applied for life insurance will be aware that there will very often be additional questions to be answered to provide further information to underwriters about their health. In a large proportion of cases when applying for cover to protect your family with a health issue then you may need to provide medical evidence from your GP such as those applying for Polycystic Kidney Disease life insurance, critical illness and income protection. There are a number of possible outcomes when assessing an application for life insurance with a health or medical problem which can include premium loadings, policy exclusions or possible decline. In this section of our Insurance Surgery website we look at how your application for Polycystic Kidney Disease life insurance, critical illness or income protection will be assessed and what impact it can have. Symptoms of Polycystic Kidney Disease:

Pain and discomfort (Stomach and Lower back)

Blood in the Urine

Raised Blood Pressure

Kidney Stones

UTI’s

Kidney Failure

Some of these symptoms can have a significant impact on your ability to obtain Polycystic Kidney Disease life insurance, critical illness and income protection so you should speak to one of our team of experts for more information.

How Polycystic Kidney Disease 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!

When applying for Polycystic Kidney Disease life insurance, critical illness and income protection you should find that underwriters will want to know about your condition as well as your health such as:

Date diagnosed

Type of symptoms

Severity of symptoms

Treatment/surgery

Medication

For more information or a no obligation quote for Polycystic Kidney Disease life insurance, critical illness and income protection you can call one of our team of experts on 0800 083 2829 today.

Critical Illness Cover

Currently it is not possible to obtain a policy for Polycystic Kidney Disease critical illness cover due to the risks relating to this condition and this type of cover.

Income Protection Insurance

It is also currently not possible to get a policy to cover for Polycystic Kidney Disease income protection due to the risks of claim for this type of policy and condition.

Polycystic Kidney Disease Life Insurance

If you have been diagnosed with Polycystic Kidney Disease and you need life insurance then you may find that cover can be available however this may not be in all instances. The severity of your condition and symptoms will have a major bearing on whether you would be able to obtain Polycystic Kidney Disease life insurance which can be available. You should also find that in all cases when applying for Polycystic Kidney Disease life insurance to protect your home or family that you will be required to provide a copy of your medical records from your GP or specialist.

Premiums for Polycystic Kidney Disease life insurance will be based on:

How old were you when you were diagnosed

What are your symptoms and how severe are they

Have you ever had any surgery because of your condition

Do you have any other health problems

If you have previously applied for Polycystic Kidney Disease life insurance and have had cover declined or accepted with premium loadings then you should speak to one of our team of experts. There are a range of possible outcomes when applying for this type of cover from moderate premium loadings in milder cases to decline where the effects are longer lasting or more severe.

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 more help or free advice to get a competitive quote for Polycystic Kidney Disease life insurance, critical illness and income protection then you should contact The Insurance Surgery on 0800 083 2829.

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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Life and Health Insurance for Business

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Polycystic Kidney Disease Life Insurance

What Is Polycystic Kidney Disease Life Insurance?

Pain and discomfort (Stomach and Lower back)

Blood in the Urine

Raised Blood Pressure

Kidney Stones

UTI’s

Kidney Failure

How Polycystic Kidney Disease Life Insurance, critical illness cover and income protection works:

Date diagnosed

Type of symptoms

Severity of symptoms

Treatment/surgery

Medication

Critical Illness Cover

Income Protection Insurance

Polycystic Kidney Disease 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!*