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GOUT<br>Life Insurance Experts

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Gout life insurance

Gout life insurance is usually available from a range of insurance companies and generally doesn’t cause issues when applying for a policy. There are, however, some things to be aware of.

Gout is a type of arthritis that causes sudden, severe pain and swelling in the joints. It is caused by having too much uric acid in your blood, which in turn can form crystals around your joints, and these crystals are what cause the pain.

Unlike other types of arthritis, the uric acid buildup that causes Gout is normally attributed to unhealthy diet and/or lifestyle. Up-to-date statistics on the prevalence of Gout are currently unavailable, but there has been evidence to suggest that it is becoming increasingly common.

According to NICE, about 1.4% of the UK’s population had Gout in 1999. By 2012, this had increased to 2.49% and is more common in men, affecting 4.3 men for every 1 woman affected.

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Can I still get life insurance with Gout?

YES – the good news is that in most cases, insurers will not penalise you heavily, if at all, if you have been diagnosed with Gout.

However, it is important to understand how Gout is treated by different life insurance companies, and the information that each insurer will ask you for. Some of the most common life insurance questions for Gout are:

  • How many times have you had Gout?
  • What was your age when you were first diagnosed with Gout?
  • Which of your joints are affected?
  • What medication do you take, if any?
  • How often do you experience Gout attacks?

In more severe cases, insurers may ask for additional medical evidence or apply a slightly higher premium to your policy. More often than not, less severe cases can go through at standard rates – which means you’ll pay the same life insurance premiums as someone with no health issues.

More about life insurance

Is critical illness cover available for Gout?

YES – much like with life insurance, critical illness cover is readily available even if you have Gout – provided that it isn’t a particularly severe case and you don’t have any other more serious health conditions.

Each insurance company approaches critical illness a little differently, which means that they all have their own lists of medical conditions that they will pay out for if you get diagnosed during the term of your policy. It’s therefore important to understand what you want to get out of a critical illness cover policy before choosing an insurer. This is something a specialist life insurance agent can help you with.

Whilst Gout itself isn’t considered life threatening and won’t trigger a payout by itself, critical illness cover will pay out for conditions such as:

A critical illness cover payout can help to pay your financial commitments like rent, mortgage payments, bills and so on if you get diagnosed with a serious medical condition.

More about critical illness cover

Is income protection available with Gout?

YES – income protection is still available for people with Gout. Similar to other types of life insurance application, the insurers will want to ask a few questions about your condition.

One additional point that life insurance companies may ask about when it comes to income protection insurance is whether you have had any time off work due to Gout. This is simply because income protection policies pay out if you get signed off work for a period of time, so insurers will want to know how likely this condition is to cause time off.

Income protection is designed to pay out a monthly benefit whilst you’re off work, which can help cover things like:

  • Rent or mortgage payments
  • Bills and other outgoings
  • School fees and costs

Usually these monthly payments will kick in if your GP signs you off work long-term (normally for 4 weeks or more).

More about income protection

Medical conditions linked to Gout

Whilst it is true that Gout usually won’t affect your application for life insurance, it can sometimes be more significant. For example, it can sometimes be linked to other conditions that may have an effect, such as:

  • Diabetes
  • Kidney disease
  • Cardiovascular disease
  • High blood pressure
  • Depression
  • Sleep apnoea

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