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Life Insurance

Underactive thyroid (hypothyroidism) Life Insurance is available with many insurers provided that you are not awaiting surgery, have been diagnosed with the condition for more than two months and the condition is adequately controlled. In these circumstances your Life Insurance with hypothyroidism application should be accepted at normal terms. Where there have been recent changes to your health and/or there are other significant influencing factors in your medical history the insurer may wish to speak with your GP. This is a standard process for Life Insurance applications and can be of benefit to you as you can then be confident that the insurer has a clear picture of your health before they offer cover.

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Critical Illness Cover

Underactive thyroid (hypothyroidism) Critical Illness Cover can often be sourced at standard rates with the same stipulations as above: a diagnosis of longer than two months, no surgery planned and no recent onset/changes to related conditions. Where hypothyroidism has caused problems with your eyes/vision it is possible that the policy may be accepted at special terms, with a blindness exclusion on the policy. This may not be ideal, but it is worth remembering that blindness is just one illness out of many that you will be insured for with a critical illness policy.

Income Protection

Income Protection for people with an underactive thyroid is treated in a similar manner as a Critical Illness Insurance application. Standard rates can be available if the condition has been diagnosed more than two months ago, there are no other recent changes to your health and there is no surgery planned for the condition. Where your eyes and vision have been affected by the hypothyroidism your policy will probably be available with a blindness exclusion.

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Possible Effects on Lifestyle

Some potential problems experienced by individuals who have an underactive thyroid include:

  • Goitre
  • Cardiovascular disease
  • Pregnancy complications

Medications and Treatments

  • Levothyroxine
  • Liothyronine
  • Liotrix

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Underactive thyroid (hypothyroidism) occurs when the body produces insufficient levels of the thyroid hormone, thyroxine (T4). Hypothyroidism tends to be a result of the immune system attacking the thyroid gland, but can also be the result of surgery or other thyroid related illnesses. The condition causes many of the bodies functions to slow down which can result in weight gain, general tiredness and depression.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research