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Life Insurance

Life Insurance for people with total or partial deafness should be available with most insurers at standard terms. If the deafness is caused by a secondary condition the insurer may ask you additional questions in regards to your health. Depending upon the cause of your deafness the insurer may review your application further with focus upon that aspect of your health.

Get a Life Insurance Quote

Critical Illness Cover

Critical Illness Cover for people who are totally or partially deaf will almost certainly come with an exclusion for deafness. This will mean that the policy has been accepted at non-standard terms. Whilst this is the case provided that you are in good health you should be eligible for cover for all other aspects of the Critical Illness policy. Where deafness is a result of another medical condition or occupational risk, the insurer will assess your application in more detail in regards to these additional factors.

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Income Protection

Income Protection for people with total or partial deafness will come with a deafness exclusion to the policy. If you are in good health then all other aspects of the Income Protection policy should still be available to you. Where additional medical conditions are present or the deafness is caused by occupational activities, the insurer may look at your application further to fully underwrite the separate disclosures.

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Possible Effects on Lifestyle

Some potential problems experienced by individuals who are deafness include:

  • Need to lip read or use sign language
  • Heightened awareness in traffic systems
  • Use of loop systems

Medications and Treatments

  • Bone Anchored Heaing Aids (BAHAs)
  • Cochlear implants
  • Digital hearing aids
  • Middle ear implants

For more information on specific health conditions, pastimes, occupations and countries please select here:

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Talk to a Friendly Adviser

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

Deafness is often placed into the categories of sensorineural (cochlea or auditory nerve damage) and conductive (blockage) hearing loss; where both types of hearing loss are present you may be diagnosed as having mixed hearing loss. Hearing loss can take time for the individual to adjust to but once new routines and lifestyle choices are made a fully active life can be maintained.

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