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Thrombosis Life Insurance

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

What IsThrombosis Life Insurance?

The Insurance Surgery is a leading insurance specialist for people who are classed as non-standard by underwriters due to their health, sport or occupation which includes Thrombosis life insurance, critical illness cover and income protection. For anyone living with a pre-existing medical condition or if you have suffered from a medical issue in the past, you will understand how important it is to make sure that your family and children are protected in the event that anything happens to you.

People looking for Thrombosis life insurance, critical illness cover and income protection may have also applied for cover in the past and not been able to get a policy because they have been given the wrong advice or even been declined cover previously.

In this section we look at the effects of Thrombosis on an application for life insurance, critical illness cover or income protection to explain how it will work for you. We have a team of insurance experts who has helped thousands to protect the people that are most important to them.

Types of Thrombosis:

Arterial Thrombosis

Deep Vein Thrombosis

Renal Vein Thrombosis

Superficial Vein Thrombosis

Venous Thrombosis

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

How Thrombosis 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!

If you are applying for Thrombosis life insurance, critical illness cover or income protection then you will be required to provide additional further information about your health for underwriters to assess your application such as:

Date diagnosed

Type of Thrombosis

Symptoms

Medication

Treatment

If you need help to get a competitive quote for Thrombosis life insurance, critical illness cover and income protection then you can call our team of experts on 0800 083 2829 for more information.

Thrombosis critical illness cover

If you are looking for a quote for Thrombosis critical illness cover then you will be pleased to know that this type of cover is generally available and often can be similar or the same rates as someone with no previous medical issues.

Often where the Thrombosis is mild or several years since any symptoms then critical illness cover will be lower rates with no issues or exclusions. However for more severe Thrombosis critical illness cover applications there may be more information required from your GP and premiums can increase to reflect the higher risk.

Thrombosis income protection

It is also generally fairly straight forward to get a policy to cover for Thrombosis income protection and the more mild symptoms will usually be easy to get a policy for. Underwriters will want to know more about your medical history and whether you have had much time of work recently to assess your application if there are more severe issues.

Thrombosis life insurance

The good news is that Thrombosis life insurance is generally considered to be lower risk by underwriters and therefore rates can often be the same or very similar to people with no health issues. A lot of instances where Thrombosis is disclosed on an application for life insurance there will not even be a requirement to provide a copy of your medical records so cover can be provided instantly. You should be aware that for more severe cases, more recent diagnosis or where there are other health/medical issues then you may find that premiums can increase.

Premiums for Thrombosis life insurance will be based on:

When were you first diagnosed with Thrombosis

What type of Thrombosis have you suffered from previously

Have you ever had any surgery

Are you currently receiving treatment or taking medication

If you want more information about Thrombosis life insurance then you should get in touch with The Insurance Surgery to find out more.

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 to get a competitive quote for Thrombosis life insurance, critical illness cover and income protection then you should contact one of our team of skilled experts 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.

Family

By Policy

Helpful Information

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Thrombosis Life Insurance

What IsThrombosis Life Insurance?

Arterial Thrombosis

Deep Vein Thrombosis

Renal Vein Thrombosis

Superficial Vein Thrombosis

Venous Thrombosis

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

Date diagnosed

Type of Thrombosis

Symptoms

Medication

Treatment

Thrombosis critical illness cover

Thrombosis income protection

Thrombosis 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!*