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You may have found it difficult to secure life insurance with Vitiligo Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.
The Insurance Surgery specialises in offering insurance cover advice to people who may struggle to find what they’re looking for because of their medical history such as Vitiligo Life Insurance, critical illness cover and income protection. Anyone living with a pre-existing medical condition or who has previously suffered from a condition should understand the importance of being financially prepared if anything happens to them.
There is generally a big difference between insurance providers underwriting for pre-existing medical conditions which is where our experience will help you to get your Vitiligo Life Insurance, critical illness cover and income protection.
If you have previously applied for cover or if you have cover in place already then we may also be able to help you to improve your previous offer for Vitiligo Life Insurance, critical illness cover and income protection or reduce your existing premiums.
Areas of your body which are most likely to be affected by Vitiligo are:
Generally Vitiligo Life Insurance, critical illness cover and income protection are considered to be lower risk as there are more commonly no additional risks of health or medical complications therefore premiums and cover are often lower.
An application for Vitiligo Life Insurance, critical illness cover and income protection will be assessed based on a number of critical areas of your own circumstances which can be based on:
If you need more help to get the right advice for your own circumstances to protect yourself and your family for Vitiligo Life Insurance, critical illness cover or income protection then you can contact The Insurance Surgery on 0800 083 2829.
It can be possible in a lot of cases to get a policy for Vitiligo critical illness cover depending on your circumstances and how severe your symptoms are. There are certain related issues to this condition which may cause problems such as whether you have suffered from any mental health problems since diagnosis.
Often if there are no other health or medical issues then you should be able to obtain a policy for Vitiligo critical illness cover with no major problems from most insurance providers.
It is also often possible to get a policy for Vitiligo income protection and often terms can be obtained at the same rate as someone with no health or medical issues. You will generally find that underwriters will want to know whether you have experienced any time of work recently because of your condition or whether you have any other health problems.
It is often fairly straight forward to get a policy to cover for Vitiligo Life Insurance based on the severity of your condition and the relatively low risk factors for this condition and type of cover. You should find that people with Vitiligo looking for Life Insurance will be required to provide a copy of their medical records for underwriters to be able to accurately assess your application for cover. In a lot of cases we see for Vitiligo Life Insurance premiums are generally offered at the same rate as for someone with no previous medical issues or health problems.
Generally your premiums for Vitiligo Life Insurance will depend on:
When were you diagnosed with Vitiligo
How severe are your symptoms
Do you have any other related medical issues
What is your general health
In some cases it is possible that you may be offered cover for Vitiligo Life Insurance with an increase in your premiums due to certain risks or other non-related health issues such as BMI, smoker status or other lifestyle related factors. You should also be aware that underwriting terms for Vitiligo Life Insurance can vary from one insurance provider to another which is where our expertise will help you.
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.
If you need more help or advice to get a free no obligation quote for Vitiligo Life Insurance, critical illness cover and income protection then you should contact one of our team of experts on 0800 083 2829.
We take pride in the experience that we offer, guaranteeing excellent service at all times.
With 25 years of specialist life and protection experience, we can find the perfect policy for you.
With a broad selection of partners, we are well-equipped to find the best insurance deals for you.
Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.
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.
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.
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:
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:
Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*
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cover for your circumstances.
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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