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Anorexia life insurance

Many people may get put off searching for anorexia life insurance because they assume that it will be too expensive, won’t pay out, or because they simply don’t understand it.

On top of this, people sometimes get declined for life insurance because they speak to the wrong companies and give up on getting the cover that would protect their families based on this. The fact is that not all insurance companies treat anorexia the same, so it’s a case of knowing who to speak to.

Our team of experts is amongst the top in its field in the UK for people living with medical conditions like anorexia.

Research suggests that in the UK:

  • Between 1.25 million and 3.4 million people are affected by an eating disorder
  • Around 75% of those affected are female
  • Around 10% of eating disorder sufferers have anorexia nervosa
  • The sufferer’s chance of recovery is greater the earlier that treatment is sought

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Does life insurance payout for Anorexia?

Yes – if you were to pass away from anorexia or a related illness, then a life insurance policy would payout and help your loved ones stay looked after.

Life insurance policies are based on your personal health at the time you take out the cover. It will therefore include any pre-existing medical conditions such as anorexia.

This also means that life cover is cheaper the earlier you take it out, as you’ll be younger and potentially in better health than later in life.

Read more about Life Insurance

Does critical illness cover payout for Anorexia?

People with anorexia can get critical illness cover, and the way in which insurance companies treat your case will depend on the complexity, length, and severity of your condition.

If you were to take out a critical illness cover policy and then get diagnosed with anorexia, it wouldn’t necessarily trigger a payout as it is not considered to be a critical illness. However, with all the health complications that anorexia can lead to, it is possible for something else to develop which may trigger a payout.

Some complications of anorexia include:

Some of the main reasons why people take out a critical illness cover policy, are to pay for certain events such as:

  • Loss of income
  • Treatment and medications
  • Pay bills and outgoings

Your critical illness cover policy is designed to provide you with a lump sum payment if you are diagnosed with a serious illness. These benefits are paid out in a single sum that can be used whichever way suits you best.

Will income protection payout for Anorexia?

If your policy does not exclude anorexia-related problems, then if you suffer any issues relating to your anorexia that cause you to take time off work, you should be able to claim on income protection.

You will be able to get anorexia income protection depending on the severity of your condition – i.e., if there are no major health concerns and your BMI is within the normal range.

Income protection is usually designed to pay out for 12 or 24 months to cover your salary while you’re unable to work.

Some of the main reasons you might need to claim on income protection cover with anorexia are:

  • Brain and nerve issues such as seizures
  • Heart failure
  • Weak immune system
  • Difficulties with concentration and memory

Getting life insurance with Anorexia

Over the last 20 years, we have helped thousands of families to get the right financial protection with all types of medical conditions.

There’s no better way to protect your family’s financial future and often premiums can be lower than you might think. Don’t be put off taking out anorexia life insurance because of your medical history; there are people who can help.

Can you get life insurance if you have Anorexia?

It is definitely possible to get anorexia life insurance, and it can often be cheaper than you think. Some companies are far better than others with this type of medical condition and so you can save substantial amounts of money.

Several points will be considered when you apply for life insurance with anorexia. We’ll help to answer some of the main questions that you might have and explain how it all works.

Premiums for life insurance with any pre-existing medical condition will be based on:

  • Lifestyle
  • Symptoms
  • Treatment
  • Health
  • Age

Some insurance providers will naturally offer cheaper premiums for certain medical conditions than others. Our experts will find the best insurer for you and provide you with the cheapest quotes.

Will I need a medical to get Anorexia life insurance?

You will need to disclose that you have anorexia on your life insurance application, and normally the insurers will ask to view your GP report.

This is standard practice, however, and is often beneficial as it guarantees the validity of your policy. You shouldn’t worry about being asked to provide additional medical evidence as this is normal.

There are several different types of medical evidence:

  • Nurse screening (blood tests etc.)
  • Medical evidence (GP report)
  • Targeted medical report (specific GP information)

You do not need to do anything, and it won’t cost you any extra for the insurer to access these records – they do this at their own expense.

Cheaper life insurance with Anorexia

It is possible to get cheaper life insurance premiums by following a few simple steps and even by applying to the right companies.

Most insurance companies don’t have the expertise or experience to give the best advice to people with medical conditions such as anorexia. There are several reasons why your premiums could be lower, such as:

  • Lifestyle: you can make certain changes to your lifestyle which might have a positive impact on your premiums, including diet, exercise, and mental wellbeing
  • Medications and treatments: your treatment can have an impact on your premiums so applying for life cover at the optimum time could help reduce your premiums. Often immediately after an event or during more severe periods can be more difficult
  • Providers and insurers: certain insurers are better than others when it comes to underwriting different types of medical conditions. An expert like us can help you to find that company and save you money

Medical conditions linked to Anorexia

Numerous conditions can be linked to Anorexia as well as several conditions that it can lead to.

Common questions about Anorexia

Here are a few of the most common questions about Anorexia and living with the condition.

What is classified anorexia?

Anorexia (sometimes known as Anorexia Nervosa) is a serious eating disorder whereby a person takes drastic and unhealthy measures to lose weight or avoid gaining weight.

How much do anorexics weigh?

Generally, people who are classified as anorexic weigh around 15% less than the expected weight for their age, sex, and height.

What are the warning signs of anorexia?

Some of the common symptoms of anorexia include:

  • Being terrified of gaining weight to the point of obsession
  • Allowing your self-esteem to be based on the way your body looks
  • Not eating enough and being underweight
  • Difficulty sleeping through the night
  • Constipation
  • Hair loss
  • Cessation of the menstrual cycle in females
  • Dizziness or fainting

If you are concerned that you or a loved one is exhibiting symptoms of anorexia, seek advice from a medical professional.

Useful resources

Here are a few useful links for people living with Anorexia or looking for more information about it:

NHS Choices – Anorexia

Beat Eating Disorders – Charity

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