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Pulmonary Embolism Life Insurance

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

What Is Pulmonary Embolism Life insurance?

We are one of the UK’s top insurance experts for people who are classed as non-standard by underwriters due to their medical history and other risk factors, including Pulmonary Embolism life insurance, critical illness cover and income protection. If you have had a Pulmonary Embolism in your medical history and you need life insurance, critical illness cover or income protection then you should speak to an expert who can guide you to the best insurers and most competitive premiums.

Any condition that is potentially life threatening can cause issues so it is important to get the most suitable cover to protect your family and your loved ones. There are a number of potential outcomes when applying for Pulmonary Embolism life insurance, critical illness cover and income protection so it is important to speak to a specialist who will be able to get you the right cover at the right price.

In this article we look at how Pulmonary Embolism affects life insurance, critical illness cover and income protection premiums as well as what you can expect when you apply for cover. Our team of experts will help you to get the cover you need to protect your children, home or business as quickly and easily as possible.

Symptoms of Pulmonary Embolism:

Breathlessness

Chest pains

Haemoptysis (coughing up blood)

Temperature or fever

Tachycardia (raised pulse)

If you have previously experienced symptoms of this condition and your medical history shows that you have suffered a Pulmonary Embolism then life insurance, critical illness cover and income protection can be difficult to obtain.

Treatment for Pulmonary Embolism:

Anticoagulant injections

How Pulmonary Embolism 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!

Anyone who has previously had a Pulmonary Embolism will be asked to provide certain additional information for life insurance, critical illness cover and income protection such as:

Date first diagnosed

Number of attacks/relapses

Treatment

Medication

Any other medical or health issues

For more information about your Pulmonary Embolism life insurance, critical illness cover and income protection or a free quotation then contact one of our experts on 0800 083 2829 today.

Critical Illness Cover

It is also possible to get a Pulmonary Embolism critical illness cover policy depending on your circumstances and your medical history. You will almost certainly be asked to provide a copy of your medical records from your GP to help support your application for Pulmonary Embolism critical illness cover for underwriters to assess your health. There are some cases where there has only be a single episode or if treatment is mild that Pulmonary Embolism critical illness cover can be offered at the same rate as someone who has no previous medical issues. If your condition is more severe or if you have suffered multiple episodes then you will find that your premiums may increase to reflect the increased levels of risk.

Income Protection Insurance

You should also be able to get a policy for Pulmonary Embolism income protection depending on your circumstances and treatment. Insurance underwriters will also want to know whether you have had any recent time off work as a result of your condition to show the levels of risk involved. Cover for Pulmonary Embolism income protection may be offered at anything from standard terms which is the same as someone with no previous medical issues up to a possible decline for more severe or multiple episodes.

Pulmonary Embolism life insurance

It is possible in some cases to get Pulmonary Embolism life insurance at the same rate as someone who does not have any previous medical issues where the symptoms are mild or one off. You should be aware that premiums for Pulmonary Embolism life insurance can vary dramatically depending on which insurer you apply to which is where our expertise will help you to get the right price for you cover. In most applications for Pulmonary Embolism life insurance underwriters will request to view a copy of your medical records to help them to accurately assess your history.

Some of the key factors for Pulmonary Embolism life insurance will be:

When were you first diagnosed with Pulmonary Embolism

How many times have you suffered from Pulmonary Embolism

What treatment or medication have you received

Are there any other health or medical issues

You may find that your premiums for Pulmonary Embolism life insurance could increase where there are multiple episodes or for older lives. In some ore severe cases it is possible that your application could be declined by mainstream insurers so we will approach specialist insurers who offer specific products for more severe cases.

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 information about Pulmonary Embolism life insurance, critical illness cover and income protection or a free quote from one of our expert advisers then you should contact The Insurance Surgery 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 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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By Policy

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Life and Health Insurance for Business

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Pulmonary Embolism Life Insurance

What Is Pulmonary Embolism Life insurance?

Breathlessness

Chest pains

Haemoptysis (coughing up blood)

Temperature or fever

Tachycardia (raised pulse)

Anticoagulant injections

How Pulmonary Embolism life insurance, critical illness cover and income protection works:

Date first diagnosed

Number of attacks/relapses

Treatment

Medication

Any other medical or health issues

Critical Illness Cover

Income Protection Insurance

Pulmonary Embolism 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!*