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Autoimune Disorders Life Insurance

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Autoimmune Disease Life Insurance

The Insurance Surgery is a top insurance specialist for people who have pre-existing medical conditions such as Autoimmune Disease who are looking for life insurance, critical illness cover or income protection. It can be difficult to know which insurance providers are best when you have been diagnosed with a medical condition but it is still just as important to make sure that you have the right cover, such as Autoimmune Disease life insurance.

How Autoimmune Disease life insurance works:

If you have been diagnosed with an Autoimmune Disease and you need life insurance to protect your loved ones then you will need to disclose additional information abtou your condition, such as:

  • Date you were diagnosed
  • Type of Autoimmune Disease
  • Medication (including dosage and type of medication)
  • Any hospitalisation
  • Your current state of health

Our team of expert advisers has worked with thousands of individuals with pre-existing medical conditions, such as an Autoimmune Disease to find the best cover to protect themselves, their family, their homes and businesses. If you need to find a life insurance policy and have an Autoimmune Disease then you should contact The Insurance Surgery to see what we can do to help.

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Autoimmune Disease Life Insurance

If you have been diagnosed with an Autoimmune Disease such as Diabetes, Multiple Sclerosis or Arthritis then you should speak to an expert about your life insurance needs. There is a vast range of Autoimmune Disease conditions and severity levels and therefore underwriting for Autoimmune Disease life insurance can vary drastically from one provider to another.

It is very possible to get Autoimmune Disease life insurance at insurers standard rates with no requirements for additional underwriting or GP reports if your condition is well controlled with no other issues. We see a large percentage of Autoimmune Disease life insurance applications that are underwritten based on the information provided on the application forms and either with no additional loadings to premiums or just a small loading.

Underwriters when assessing applicatiosn for Autoimmune Disease life insurance will require you to provide additional information such as:

  • What type of Autoimmune Disease you have been diagnosed with
  • When you were diagnosed with your Autoimmune Disorder
  • Your latest readings or levels
  • General health and any other medical issues

In some cases where the condition is too complex or if the condition is too severe then you may need to provide access to your medical records for underwriters to accurately assess your Autoimmune Disease life insurance application.

If you have an Autoimmune Disorder and you need life insurance but have struggled in the past then you should contact the experts at The Insurance Surgery for more information. Our team of specialists know which insurers are best for various medical conditions and will direct you to which company is best for you.


Autoimmune Disease Critical Illness Cover

Underwriting for an Autoimmune Disease critical illness cover application can vary even more than for life insurance due to the complex nature of how critical illness cover claims work and how broad the spectrum of Autoimmune Diseases is. More recently we have seen major improvements in underwriting decisions for critical illness and various Autoimmune Disease which we expect to continue to move in that direction.

Some Autoimmune Disease were historically not possible to get critical illness cover for but are now either possible to get cover for or even more favourable, such as Crohn’s Disease for example.

Decisions for Autoimmune Disease critical illness cover can vary from standard rates with no exclusions all the way up to heavier loadings with exclusions or even decline. There are also some specialist products that are now available which can offer critical illness cover for Autoimmune Disorders with no underwriting and guaranteed acceptance with pre-existing conditions excluded.


Autoimmune Disease Income Protection

Income protection for an Autoimmune Disorder is possible to get cover in some cases where the condition is mild to moderate and well controlled. The majority of Autoimmune Disease income protection applications we see are slightly more difficult to get cover for because of the severity and complications so it is not always possible.

There are some new insurers who are entering the market for Autoimmune Disorder income protection and other conditions that will offer cover where others would have previously declined. Generally where cover is offered for Autoimmune Disorder income protection there will be a premium loading and usually some exclusions for related conditions.

If you have Autoimmune Disease and found it difficult to get life insurance, critical illness cover or income protection in the past then you should speak to our team of expert advisers to see what we can do to help you.

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Frequently Asked Questions

Types of Autoimmune Disorders we cover for life insurance:

  • Asthma
  • Crohn’s Disease
  • Diabetes (Type 1)
  • Guilian-Barre Syndrome
  • Hasimoto’s Thyroiditis
  • Hyperthyroidism
  • HIV
  • MS
  • Psoriasis
  • Systemic Lupus



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