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Thyroid Conditions Life Insurance

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Thyroid conditions life insurance, critical illness cover and income protection

The Insurance Surgery is a leading insurance expert for people who are classed as being non-standard when applying for cover because of their health which includes Thyroid conditions life insurance, critical illness cover and income protection. There are a number of Thyroid conditions which can have various effects on an application for life insurance, critical illness cover or income protection so you should be aware of your own health and symptoms before you apply for cover. Anyone who has previously suffered from or who currently has a Thyroid condition will need to disclose information about their condition when applying for cover to ensure that they get the most suitable product and that their underwriting decision is appropriate to their situation.

In this section we look at what impact a Thyroid condition will have on your application for life insurance, critical illness cover or income protection to protect yourself and your loved ones. We will explain what it means to have a Thyroid condition and how that will affect your premiums when you are approaching insurers for various types of cover.

Types of Thyroid conditions:

  • Hypothyroidism
  • Hyperthyroidism
  • Goiter
  • Thyroid nodules
  • Thyroid cancer

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

Due to the range of severity of symptoms for the different types of thyroid conditions you will need to provide additional information to underwriters to enable them to be able to assess you application for life insurance, critical illness cover or income protection, such as:

  • Date diagnosed
  • Type of thyroid condition
  • Medication
  • Any surgery
  • Other health issues

If you need more help to get a competitive quote for Thyroid conditions life insurance, critical illness cover and income protection then you should contact one of our insurance experts on 0800 083 2829 today.

 

Thyroid conditions life insurance

It is possible to get a policy for Thyroid conditions life insurance in most instances if the type of illness is considered to be mild and especially if the symptoms are not severe. In some cases when applying for Thyroid conditions life insurance you may be required to provide a copy of your medical records which will be provided by your GP and our team of advisers will deal with that for you. If you are applying for Thyroid conditions life insurance then you should be aware that each insurance provider will have a different criteria when it comes to underwriting your application so it is important to only apply to those who look favourably on your condition.

Your premiums for Thyroid conditions life insurance will depend on:

  • What age were you diagnosed with your Thyroid condition
  • Which type of Thyroid condition do you suffer from
  • Have you ever had any surgery
  • Are you still under investigation or awaiting treatment

In cases where the Thyroid conditions are more severe, such as thyroid cancer then you may find that your life insurance premiums could increase to reflect that additional risk. An expert such as The Insurance Surgery will be able to advise you which type of Thyroid conditions life insurance will be available and what your premiums will be.

 

Thyroid conditions critical illness cover

In most cases there should be no issue in being able to obtain Thyroid conditions critical illness cover due to the fact that most of this group of conditions are considered to be relatively low risk. If your symptoms are mild or if you have not had any issues for a long period of time then you should find that Thyroid conditions critical illness cover should be available at the same rate as for someone with no medical issues. In more severe situations such as Thyroid cancer you may find that your application for Thyroid conditions critical illness cover could be loaded so your premiums could increase or an exclusion may be applied to your policy.

 

Thyroid conditions income protection

If you need a policy to cover for Thyroid conditions income protection then you should also have a strong chance of getting insured, especially for mild symptoms with no long lasting issues. For Thyroid conditions income protection the insurer will want to know whether you have had much time off work due to your health.


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If you need help or advice to get a competitive quote for Thyroid conditions life insurance, critical illness cover and income protection then you should contact one of our team of experts today to find out more.

 

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