Thyroid Conditions & Life Insurance

When it comes to arranging insurance when you have a thyroid condition, it can be a little bit of a minefield knowing which insurer is going to best for you. This is where the our advisers can help.

What we need to know to get started:

• When were you diagnosed with a thyroid condition?
• What treatment or medication do you use?
• Are your TSH levels within normal ranges?
• Have you needed any surgery?

When you apply for life insurance, thyroid problems will need to be detailed to the insurer so that they can fully assess your health before offering cover. The policy terms that you will be offered will depend upon the type of condition that you had or still have, the strength of your symptoms, any medications you take and any other treatments you have received or are scheduled to do e.g. surgery, chemotherapy, etc.

For conditions such as thyroid cancer you would be best looking at our cancer page for details on obtaining Life Insurance.

For individuals with hyperthyroidism and hypothyroidism, provided that you have been diagnosed with the condition for at least three months and it is controlled well with or without medication, you will likely be able to get life insurance at normal terms with some insurers.

Where there has been surgery and/or removal of the thyroid gland the insurers will want to know the reason that caused the need for the surgery. Depending upon the reason for the surgery, the insurer might want offer you non-standard terms for life insurance.

Please see the links below for further details about how your thyroid condition may effect your life insurance application.

Where your thyroid condition has been well controlled for at least three months, with or without medication, and there are no surgeries scheduled you can often secure this policy at standard terms (depending on the condition).

If your thyroid condition has started to effect your eyes it is possible that the insurance provider may place special terms on your policy.

Where surgery is scheduled and/or the condition is severe the insurer may wish to speak with your GP to establish your overall health, or suggest that you delay the application until after the operation is done, or once the condition is more well controlled.

Please use the links below to see more details regarding your thyroid condition and Critical Illness Cover underwriting guidelines.

You tend to find that income protection applications for people living with thyroid disorders have stricter underwriting guidelines than the other policy types mentioned above.

By approaching the correct insurance provider with your application you may be able to secure an income protection policy at ordinary rates, depending upon your individual circumstances. You are most likely going to see normal terms for income protection if your conditions has been well controlled for the last three months and there are no surgeries or other strong treatments scheduled.

If your vision is affected by your thyroid condition then the provider may place special terms on your policy. This could be an exclusion for any claim relating to your eyes.

We strongly recommend that you speak with one of our insurance advisers who will place your application with the correct insurer to secure the best terms for your circumstances. For more information regarding your thyroid condition and Income Protection please use the links below.

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Are you going on holiday? For anyone that is planning a holiday, having travel insurance is a good idea. Please visit our dedicated travel insurance page, where you can find details of a specialist broker to help you get the cover that you need.