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Graves’ disease life insurance

When living with an autoimmune condition, you can experience many symptoms that impact on your day to day life. This can be difficult and our aim is to make your life easier, by simplifying the life insurance process – so you can get the cover you need without additional stress.

Grave’s disease is an autoimmune disorder that attacks your thyroid gland causing hyperthyroidism (overactive thyroid). In fact, around 3 in 4 people with an overactive thyroid gland have this due to Graves’ disease.*

Life insurance should still be possible for you, even with a condition like Graves’ disease. As the UK’s #1 pre-existing conditions life insurance experts, our team are here to help.

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YES – you should still be able to find excellent life cover policies if you have Graves’ disease.

Thyroid issues are common in the UK, meaning insurers will have provided cover for many people in your situation.

Generally, Graves’ disease is not considered a high-risk condition, particularly if the symptoms are well managed.

If you want advice about finding the right insurer and policy for someone with Graves’ disease, speak to one of our specialists.

Does life insurance pay out for Graves’ disease?

YES – you should be able to receive a pay out on your life insurance policy with Graves’ disease.

Graves’ disease is a common cause of hyperthyroidism, meaning insurers will likely have encountered it before.

How does Graves’ disease life insurance work?

With any life insurance policy, the insurance company will ask questions about the applicants age, height, health and lifestyle and more. When it comes to pre-existing conditions, there can be additional questions before approving cover.

For Graves’ disease these questions could include:

  • How severe are your symptoms?
  • Are you under or awaiting treatments for Graves’ disease? (e.g. beta blockers, antithyroid drugs or radioactive iodine treatment)
  • Have you had any complications relating to hyperthyroidism? (e.g. heart issues or vision problems)
  • Have you had thyroid surgery?
  • Do you have any lumps or nodules on your thyroid?

Can I get Graves’ disease life insurance?

YES – you should still be able get life insurance if you have Graves’ disease or another form of hyperthyroidism.

If you have well managed symptoms controlled by medications or other treatments, you should be able to get cover at a standard rate.

If you have developed complications due to your condition, this could affect your policy and how it is set up. It is worth speaking to an insurance expert if this is the case.

How much is Graves’ disease life insurance?

There are numerous things that can affect policy cost when it comes to life insurance. This includes your age, height and weight, as well as other health and lifestyle factors.

With a condition like Graves’ disease, you should be able to access a great policy at no additional cost if your symptoms are well managed.

Cheaper Graves’ disease life insurance

The best way to find the policy you need at the lowest price will be to consult an expert. It can be very helpful to speak to an insurance agent who is familiar with how thyroid conditions affect life insurance.

With access to a wide range of policies, our experts can compare prices across insurance providers to find the best available deals.

Best Graves’ disease life insurance

What you would consider the best life insurance will vary depending on individual needs and preferences. Before choosing your cover and insurer, it is worth considering things such as:

Symptoms of Graves’ disease

Graves’ disease causes the body to attack thyroid cells by mistake which causes the thyroid to become overactive. This can cause many symptoms including:

  • Tiredness
  • Muscle weakness
  • Difficulty sleeping
  • Anxiety
  • Irritability and mood swings
  • Increased thirst and urination
  • Itchiness
  • Dry, red, bulging, or irritated eyes

Causes of Graves’ disease

There are various conditions and factors that can increase your risk of Graves’ disease developing. These include:

Graves’ disease can also cause complications if untreated, resulting in health issues such as:

  • Osteoporosis
  • Blood clots
  • Stroke
  • Issues with fertility and pregnancy
  • Problems with vision
  • Eye disease (Graves’ ophthalmopathy or thyroid eye disease)
  • Thyroid storm (sudden dangerous flare up of symptoms)
  • High blood pressure
  • Heart failure
  • Pretibial myxedema (thyroid dermopathy)

If you have any of the above conditions, do not assume this will prevent you from getting the life cover you deserve.

Our specialists have years of expertise with getting great life cover for people with Graves disease and other pre-existing medical conditions. If you have had difficulties finding cover due to your health, speak to our team.

We can help with traditional life cover as well as other policies such as income protection insurance or critical illness cover.

Frequently asked questions about Graves’ disease

What is Graves’ disease?Graves’ disease is an autoimmune condition that can lead to an overactive thyroid (hyperthyroidism).

Your body attacks the healthy tissues in your thyroid gland.
What are the symptoms of Graves’ disease?Symptoms of Graves’ disease include:

Weight loss combined with an increased appetite
Rapid/irregular heartbeat
An enlarged thyroid gland
Bulging eyes (Graves’ opthalmopathy)
Is Graves’ disease a serious condition?Graves’ disease is treatable. However, if left untreated it can lead to serious complications and even heart failure in severe cases.

*according to the NHS

Useful resources for Graves’ disease

Thyroid UK – Graves disease

NHS – Graves disease patient information

Royal Berkshire Hospital (NHS) – Graves disease

British Thyroid Association – Resources

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