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Urinary Tract Infection (UTI) Life Insurance

You may have found it difficult to secure Urinary Tract Infection (UTI) Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Urinary Tract Infection (UTI) Life Insurance?

The Insurance Surgery specialises in offering insurance services to people who are classed as non-standard due to their health, occupation or sport such as Urinary Tract Infection (UTI) Life Insurance, critical illness cover and income protection. If you have a family or mortgage to protect then you should consider insurance to ensure that whatever happens to you or your partner that they are financially secure and especially important for those who have a pre-existing medical condition.

The majority of people who live with a pre-existing medical condition looking for cover, such as Urinary Tract Infection (UTI) Life Insurance, critical illness cover and income protection, either think that cover will be too expensive or not available to them which is often not the case. Our team of expert advisers have a great deal of knowledge and experience to help you to find the right cover at the right price.

In this section of The Insurance Surgery website we look at how your application for Urinary Tract Infection (UTI) Life Insurance, critical illness cover and income protection will be assessed by underwriters. You should also be aware that there will be potentially significant differences between insurance providers depending on their claims history for your condition and their re-insurance terms.

Symptoms of Urinary Tract Infection (UTI):

Discomfort urinating

Bleeding during urination

Diarrhoea

Nausea

Raised temperature

There are a number of possible risks related to Urinary Tract Infection (UTI) for Life Insurance, critical illness cover and income protection depending on the severity of your symptoms and regularity of flare ups.

How Urinary Tract Infection (UTI) 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!

Generally there should not be a major issue getting cover for Urinary Tract Infection (UTI) Life Insurance, critical illness cover and income protection based on the risks relating to your condition, depending on:

Date diagnosed

Symptoms

Regularity of symptoms

Date of last attack

Medication or treatment

If you need more help to get a competitive quote for Urinary Tract Infection (UTI) Life Insurance, critical illness cover and income protection then you should speak to one of our team of experts today to find out more.

Critical Illness Cover

You should also be able to get a Urinary Tract Infection (UTI) critical illness cover policy in place fairly easily and often at the same rate as someone in good health or with no medical issues. Fortunately Urinary Tract Infection (UTI) critical illness cover is considered to be lower risk so even in more severe cases you should be able to get some cover with either a small premium loading or potentially some exclusions. If there are other health or medical issues then you may find that there are more strict requirements or potentially other outcomes for Urinary Tract Infection (UTI) critical illness cover.

Income Protection Insurance

It is also generally possible to get a Urinary Tract Infection (UTI) income protection policy in place without too many issues. Underwriting for Urinary Tract Infection (UTI) income protection can be slightly more strict as there is a higher chance of claim for this type of cover. Insurance underwriters will want to know whether you have had any time of work due to your condition in recent years or for any other health or medical reasons.

Urinary Tract Infection (UTI) Life Insurance

As mentioned above, generally there should be no major issues to get cover for Urinary Tract Infection (UTI) Life Insurance based on the simple fact that this is often not considered to be high risk. In a lot of cases we are able to obtain Urinary Tract Infection (UTI) Life Insurance for our clients at the same rates as for someone with no health or medical issues. There is also often no need to provide underwriters with proof of medical records to support your application which can make this process far quicker than some other more severe medical conditions. If there are other underlying health or medical issues or if symptoms are more severe then you may find that your premiums could increase to reflect the increased risk.

Premiums for Urinary Tract Infection (UTI) Life Insurance are generally based on:

When were you first diagnosed

How frequent are your symptoms

What symptoms do you suffer from and how severe are they

Which medication do you take

You may find that in more severe cases that your premiums for Urinary Tract Infection (UTI) Life Insurance could be impacted so it is important to speak to a specialist who can guide you properly.

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 Urinary Tract Infection (UTI) Life Insurance, critical illness cover and income protection then you can call one of our 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.

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Urinary Tract Infection (UTI) Life Insurance

What Is Urinary Tract Infection (UTI) Life Insurance?

Discomfort urinating

Bleeding during urination

Diarrhoea

Nausea

Raised temperature

How Urinary Tract Infection (UTI) life insurance, critical illness cover and income protection works:

Date diagnosed

Symptoms

Regularity of symptoms

Date of last attack

Medication or treatment

Critical Illness Cover

Income Protection Insurance

Urinary Tract Infection (UTI) 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!*