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

Psoriatic Arthritis Life Insurance

Looking for life insurance with Psoriatic Arthritis? The Insurance Surgery specialises in finding the best life cover options for people with Psoriatic Arthritis, so get in touch today for your free quote.

What Is Psoriatic Arthritis Life Insurance?

Our team of highly skilled and experienced experts are here to make the process of getting cover to protect your family as quick and easy as possible. We know which insurance providers are best for each condition based on our many years of experience and the thousands of families that we have helped.

This section looks at Psoriatic Arthritis life insurance, critical illness cover and income protection in more detail to explain how it all works and what you can expect. We want to help you to get the right cover to protect your loved ones at the right price.

Symptoms of Psoriatic Arthritis:

These symptoms can potentially cause issues when applying for certain types of cover depending on the severity and length of time that they have been present.

Treatment for Psoriatic Arthritis:

How Psoriatic Arthritis 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 a number of key areas which would be assessed by underwriters when looking at an application for Psoriatic Arthritis life insurance, critical illness cover and income protection, such as:

Date of diagnosis

Any surgery

Treatment or medication

Severity of symptoms

Medications currently being taken

Other health or medical issues

If you want to speak to an expert to get more information and guidance about what the best way for you to get Psoriatic Arthritis life insurance, critical illness cover and income protection then you should call one of our team on 0800 083 2829.

Critical Illness Cover

There is also a very strong possibility of being able to get a policy for Psoriatic Arthritis critical illness cover based on your health and your condition depending on the severity. Premiums for Psoriatic Arthritis critical illness cover can be offered from standard rates in more mild cases or where the applicant is a younger life where the condition is well controlled. You should be aware that if your symptoms are more severe or if your medication can result in possible health issues then your premiums could increase to reflect that risk.

Insurance underwriters will also generally want to view a copy of your medical records to help them to assess your application for Psoriatic Arthritis critical illness cover to provide and accurate decision. It is possible in some cases that policy exclusions could be applied to your offer of cover so it is important to read your policy documents thoroughly.

Income Protection Insurance

There may be more difficulty in being able to obtain a policy for Psoriatic Arthritis income protection based on the levels of risk involved. There are some insurers who do not offer cover for this type of policy at all so it is very important to speak to an expert who has an in-depth knowledge of specialist insurance underwriting to give you the best chance of getting Psoriatic Arthritis income protection.

 

Psoriatic Arthritis life insurance

It is very possible to get a policy to cover Psoriatic Arthritis life insurance currently as long as your symptoms are not too severe and there are no other more serious health or medical issues. Premiums can be offered at the same ‘standard rate’ as they would be for someone with no medical issues or pre-existing medical conditions as long as the symptoms are fairly mild. It is however possible that your premiums for Psoriatic Arthritis life insurance could increase slightly to reflect a higher level of risk depending on your own circumstances.

The main areas of concern for underwriters when assessing an application for Psoriatic Arthritis life insurance are:

How old were you when you were diagnosed

Have you had any major surgery or are you awaiting test results

What treatment or medication do you take

How well is your condition controlled

In some cases it may be required for you to provide a copy of your medical records to help support your application for Psoriatic Arthritis life insurance depending on your situation. If you are asked to provide medical information then our team of experts will process this request on your behalf by contacting your GP with your consent.

 

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​

For more information and advice to get a competitive quote for Psoriatic Arthritis life insurance, critical illness cover and income protection then you should contact one of our team of experts today.

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

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.

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.

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.

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.

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.

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