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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Will life insurance cover Graves’ disease?

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.

We are rated #1 in the UK when it comes to pre-existing conditions and know the best insurers to approach in this situation.

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.

In most cases, you should still be able to access a standard life insurance policy at no extra cost. Our expert team can help you find an excellent policy with the best pricing by comparing hundreds of available deals across the UK.

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?

In some cases, the insurer may request a medical report from your GP to further assess your health. This is standard practice for applications and isn’t a cause for concern. It does not mean you are less likely to be approved for cover.

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.

Our specialist advisors have years of experience when it comes to life insurance and thyroid issues. We know exactly which providers will be best to provide great cover at a reasonable price.

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.

Even if you have more severe symptoms, our experts are here to help. We know exactly which providers will be best when it comes to thyroid conditions. This means we know who to approach to find reasonably priced cover to suit your needs.

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.

This means you can put in place the cover you need to protect your loved ones – without worrying about overly high pricing.

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:

The policy type you want
The amount of cover you need
Length of cover (e.g. whole of life vs level or decreasing term life insurance)

Once you have decided on what cover seems most appropriate for you, it is a good idea to speak to an experienced insurance advisor. We can help you to compare deals across all the top UK providers (plus specialists) to find the cover you need at the best possible price.

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

Blood tests may also signal high levels of thyroid hormones or anti-thyroid antibodies which can be indicative of Graves’ disease.

Causes of Graves’ disease

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

Smoking
Being a woman (women are more likely to develop Graves’ disease)
Family history of thyroid issues
Vitiligo
Type 1 diabetes
Rheumatoid arthritis

What are the complications of Graves’ disease?

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.

We can offer you FREE and friendly advice to help and support you in getting the cover you deserve at a price to suit your needs and budget.

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 Irritability Insomnia 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.