Gilbert’s Syndrome & Life Insurance

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Gilbert's Syndrome & Life Insurance

Living with Gilbert’s Syndrome can be something that people are very mindful of due to the symptoms that they experience. For others, they might have no idea that they have the condition as they experience no symptoms at all.

When it comes to life insurance your options for cover will depend upon the symptoms that you experience and how much Gilbert’s Syndrome affects your overall health.

To get things started we will ask you:

When were you diagnosed with Gilbert’s Syndrome?
What medication or treatments have you had for Gilbert’s Syndrome?
Have you experienced jaundice?
When was the last time that you experienced jaundice?

You might be able to get life insurance at standard terms if you have not any symptoms linked to Gilbert’s Syndrome for a while. The insurers will mainly be interested in whether you have recently had jaundice, how often you experience jaundice and if you have completed any treatment for this.

If you have experienced jaundice recently, or do experience it often, you could find that the insurer will want to see a report from your GP to confirm your health. They are interested in knowing if your liver function is affected at all by the Gilbert’s Syndrome. After this they might decide to offer you life insurance at non-standard terms, which is an increase to the premiums.

If your Gilbert’s Syndrome was a random find due to investigations for another health condition, then the insurers will want to know more about this additional condition that you have. Gilbert’s Syndrome can be linked to type 1 diabetes and we have a dedicated page for this that you can access here. We also have a lot of other health conditions on our website that you can access too in our health conditions list.

Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.

Gilbert's Syndrome & Critical Illness Cover

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

You can find that critical illness cover is offered at standard terms or at an increased premium due to your Gilbert’s Syndrome. As Gilbert’s Syndrome can affect the liver, there is potentially an increased chance of you claiming on a critical illness policy, which is why insurers might decide to offer you the policy at a higher premium.

If you have had jaundice recently or had it multiple times in the last couple of years, you may find that some insurers postpone your application until there has been some time since the jaundice has happened.

Our award winning advisers are here to make sure that you get the right insurer to match you and your health.

Get a Critical Illness Cover Quote

Gilbert's Syndrome & Income Protection

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

You might be able to get income protection at normal premiums with some insurers. This will depend upon how much the Gilbert’s Syndrome affects you on a day to day basis and at work.

If you have had any time off work due to Gilbert’s Syndrome or another health condition, this can affect your options for income protection. You can find that insurers place exclusions for clams linked to pre-existing conditions.

Our advisers are here to make sure that you get the best insurance policy to protect your income.

Get an Income Protection Quote

Gilbert's Syndrome & Travel Insurance

Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place. You can find out more about getting a quote on our travel insurance page.

What is Gilbert's Syndrome?

People living with Gilbert’s Syndrome experience higher than normal levels of bilirubin in the blood. It is a hereditary condition that tends to be diagnosed in the late teens or twenties. Most people with Gilbert’s Syndrome have short episodes of jaundice, which can affect the colour of the skin and whites of the eyes.

Some people do not have any symptoms of Gilbert’s Syndrome and do not know they have it until they have tests done for another condition.

Linked with: Jaundice, hepatitis c, type 1 diabetes, cirrhosis

Possible Effects on Lifestyle

Some of the symptoms people may experience living with Gilbert’s Syndrome:

Dietary planning
Exercise planning
Reducing alcohol intake
Stress management

Medications and Treatments

There are no specific treatments for Gilbert’s Syndrome. The main focus is upon living a healthy lifestyle and trying to avoid the development of jaundice.

Your medical professionals will be conscious of how certain medications e.g. statins, need to be monitored closely to make sure that they do not affect your liver.

Common Questions

1. I have applied for life insurance but my application has been declined. I don't know why. Can you help me?

Hi, I’m sorry that you have experienced this. Being told that you’ve been declined for life insurance is not a pleasant experience. We speak to a lot of people who have been declined life insurance in the past and find them exactly what they are looking for. There’s no quirks or funny terms and conditions, it’s just a matter of finding the right insurer to match you.

Let’s plan a time to chat and get your life insurance in place.

Client Reviews

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Review by Stuart on 6th May 2024

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Dr Kathryn Knowles Phd

Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

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"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."