Feefo Platinum Trusted Service Award 2024
Free £100 Gift Card Offer
Our logo

PROTECTION PROMISE - 100% Conditions Covered

Our Insurance Partners

Sign up for our newsletter

Stay in the loop about all the latest news, exclusive offers, and fantastic discounts. We promise it's spam-free!

Polycystic ovary syndrome life insurance

Polycystic ovary syndrome or ‘PCOS’ is a medical condition that can have a big impact on your life, with common symptoms including weight gain, irregular periods, and fertility issues.

If you have been diagnosed with PCOS, you may think life insurance will be unavailable or overly expensive due to having a pre-existing medical condition. We want to assure you this shouldn’t be the case and often you can get life cover at a very reasonable cost.

According to the NHS, it is thought around in 1 in 10 women in the UK are living with polycystic ovary syndrome with symptoms usually developing in the late teenage years or early 20s.

Our life insurance experts have helped many people find excellent polycystic ovary syndrome life insurance cover to protect their homes and families. Life insurance can provide vital financial security, giving you peace of mind that your loved ones will not struggle if you are no longer around to support them.

Five Stars

Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

YES – life insurance should be able to cover you if you have polycystic ovary syndrome, and if you were to pass away your policy will pay out a tax-free lump sum to your loved ones.

Life insurance is the most effective way to provide your family with long term financial security. If you have dependents or a mortgage to consider, it is worthwhile to think about putting life cover in place.

Our skilled insurance experts have years of expertise in polycystic ovary syndrome life insurance and can make sure you never pay more than you should for your policy.

Does life insurance pay out for polycystic ovary syndrome?

YES – if you had PCOS and you disclosed this when applying for your policy, your loved ones should have no issue receiving a pay out from your policy.

Your family or chosen beneficiaries will receive a tax-free cash lump sum, which can be used for whichever purposes they deem best.

This safety net can provide much needed support, allowing the people you care about to pay for bills far more easily and removing extra pressure at a difficult time. A polycystic ovary syndrome life insurance pay out can be used to cover expenses such as:

  • Mortgage or rent payments
  • Household bills and expenses
  • School fees
  • Funeral expenses
  • Clearing outstanding debts

When applying for polycystic ovary syndrome life insurance, the insurance provider will ask a variety of questions during the application process. These will relate mainly to your general health and lifestyle but can also include questions about things such as your occupation.

If you have a medical condition like PCOS, you will likely also be asked additional questions specific to this and how your health is affected.

Questions you may be asked include:

  • When you were diagnosed?
  • Are you on any medications to treat symptoms? (e.g. metformin, spironolactone, birth control pills)
  • Have you developed complications or other medical conditions? (e.g. obesity, high blood pressure/cholesterol)
  • Do you have glucose or insulin intolerance? (in some cases women with PCOS have insulin resistance and this indicates higher risk for developing diabetes)
  • Have you had any surgeries or treatments for PCOS?

Even though infertility is a common symptom of polycystic ovaries, insurance companies will not usually ask questions related to treatments for this such as IVF.

YES – you should be able to find great life cover with polycystic ovary syndrome, and often at a lower price than you may think.

You will have to disclose that you have PCOS when applying, but this a common medical condition so insurers will likely have seen applicants with this condition many times.

As this condition is not considered high risk or life threatening, in most cases you can get life cover at a standard rate. If you have complications caused by your PCOS (e.g. diabetes or high blood pressure), it is definitely worth speaking to a life insurance specialist for advice before applying.

We are proud to be rated #1 in the UK for pre-existing conditions and have years of expertise in polycystic ovary syndrome life insurance.

Types of life insurance:

Can I get critical illness cover with polycystic ovary syndrome?

YES – polycystic ovary syndrome shouldn’t prevent you from putting critical illness cover in place if you wish to.

It is important though to make sure that you disclose PCOS on your application and insurers may place an exclusion on claims related to this condition.

You won’t be able to claim for a diagnosis of PCOS as it is not considered a critical illness, but you can claim for many other conditions. Critical illness cover is a brilliant policy to have in place, providing a tax-free cash lump sum if you were diagnosed with a serious illness during the policy term.

These funds can help support you if unable to work or needing to cover expenses such as:

  • Paying mortgage or rent payments

  • Cost of living for a period of time

  • Adjustments to the home

  • Treatment to help your condition

Some of the most common reasons for critical illness claims include:

How much does PCOS life insurance cost?

If you have well managed and mild symptoms with no additional complications or conditions, life insurance should be accessible at a standard rate.

Even if you have multiple medical conditions, there are ways to lower the cost of your life insurance policy. Sometimes it can be as easy as adjusting the length of policy term, the type of life insurance (level term vs decreasing) or simply reducing the amount of cover.

It is important to consider several factors before applying to determine how much cover you need such as:

Adjusting these factors slightly can make a big difference in the amount you pay for your policy so it worth considering your requirements carefully.

There are several ways you can reduce the cost of your life insurance such as improving your health, losing weight, and engaging in more exercise.

The best way to find the life insurance cover you need at the lowest prices is to compare what several providers are offering.

This can be a long, complicated process without the right help, as there are literally hundreds of life insurance policies currently available in the UK. Our friendly advisors can do a quick and easy comparison on your behalf, to find the best available rates and deals.

Medical conditions linked to polycystic ovary syndrome

There are several medical conditions and issues that can be linked to or caused by polycystic ovary syndrome.

Frequently asked questions about PCOS

What is PCOS?Polycystic ovary syndrome is a hormonal condition usually diagnosed via a blood test or ultrasound.

The condition causes enlarged ovaries containing fluid filled sacs (follicles) up to 8mm in size.

Although these are referred to as polycystic ovaries, the follicles are not actually cysts. This can also affect your hormone levels (higher androgen levels), menstrual cycle and more.
What are the symptoms of PCOS?The severity of PCOS symptoms can also vary from person to person, with some people not experiencing symptoms at all.

Common symptoms of polycystic ovary syndrome are:

Irregular periods or no periods
Weight gain
Excessive hair growth
Thin hair or hair loss (alopecia)
Does PCOS go away?PCOS isn’t a condition that can be cured but the symptoms can be managed with medication.

With families and responsibilities of our own, we know how important it is to look after the people you love.

Everyone deserves to have access to the cover they need to protect their loved ones. Pre-existing conditions like polycystic ovary syndrome can make this harder to find, but they shouldn’t have to.

Our highly skilled life insurance specialists are proud to have helped thousands of customers with medical conditions find the best cover at the right price. We can help you assess the level of cover you need and which provider is most suitable to provide this at a fair price.

You could save significantly on your PCOS life insurance with our support and we can even review any existing policies you have, so you know you’re getting the most competitive rates available.

Useful resources

Healthline – Polycystic Ovary Syndrome (PCOS): Symptoms, causes and treatment

Royal College of Obstetricians & Gynaecologists (RCOG) – Polycystic Ovary Syndrome

BUPA – Polycystic Ovary Syndrome

Sign up for our newsletter

Stay in the loop about all the latest news, exclusive offers, and fantastic discounts. We promise it's spam-free!

Open chat
How can we help?
Scan the code
Welcome to iam|INSURED 👋

Please feel free to connect with us on WhatsApp so we can help you and answer your questions.

Click “Open Chat” to start.