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Tinnitus life insurance

If you suffer with tinnitus, you may experience symptoms such as ringing in your ears, hearing loss and more. Though unpleasant to deal with, you will be happy to hear that these symptoms shouldn’t stop you getting the life cover you need.

People with medical conditions can be put off from applying for life insurance, worrying it will cost too much or be harder to get. We are proud to be the UK’s #1 RATED EXPERTS for pre-existing conditions life insurance. We can assure you medical conditions don’t have to prevent you from protecting your loved with a GREAT policy – and a fair price.

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"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 – provided you disclose your condition to the insurer when you apply, most insurers should have no issue covering someone with tinnitus. With the right help and advice, you may even be able to get cover for a better price that you thought possible.

Life insurance is the best way to ensure your home and your family are well looked after even after you are gone. The payout from a life insurance policy can be used for expenses such as:

  • Repaying a mortgage
  • Funeral expenses
  • Repaying debts
  • Covering monthly bills
  • School fees
  • And more

A life insurance policy can provide a financial safety net for your loved ones and give you peace of mind.

Does life insurance pay out for tinnitus?

YES – if you were to die, your life insurance policy should pay out even if you have tinnitus. Tinnitus is usually considered a milder condition and is not likely to lead to death or a claim on your policy.

You should however make sure the insurance company is aware you have tinnitus during the application process.

How does tinnitus life insurance work?

Getting life insurance with tinnitus will generally be straightforward. You will follow the same application as someone without medical conditions and will be asked general questions about your medical history, health and lifestyle.

If you have tinnitus, you could also be asked a few more specific questions like:

  • When were you diagnosed with tinnitus?
  • How severe are your tinnitus symptoms?
  • How often do you experience symptoms?
  • Are you having any treatment for tinnitus? (e.g. using hearing aids)
  • Is there an underlying condition that has caused tinnitus? (e.g. circulatory issues)
  • How much do tinnitus symptoms affect your every day life?
  • Do you have any other medical conditions?

Can I get life insurance with tinnitus?

YES – tinnitus is not a life limiting condition and so shouldn’t cause issues when buying life insurance.

Before you apply, it is a good idea to think about how much cover you need, how much you can afford to spend and any details that could affect your application. This gives you a good starting point and will allow you to compare policies and providers more easily.

Can I get critical illness cover with tinnitus?

YES – it is possible to get critical illness cover when you have tinnitus. Critical illness cover will provide you with a cash lump sum on diagnosis of a serious medical condition (provided it is covered by your policy). This is helpful if you are unable to work due to poor health or need to cover large medical expenses.

There are a wide range of insurers and policies to choose from, meaning you can choose the policy that works best for the level of cover you need and the amount you are able to spend. Common reasons to claim on critical illness policies include:

Critical illness insurance pay outs can be used to cover a range of expenses, useful if your health makes it difficult to work as normal. You can use the money for things such as:

  • Paying mortgage or rent payments

  • Cost of living for a period of time

  • Adjustments to the home

  • Treatment to help your condition

How much does tinnitus life insurance cost?

With an increased cost of living in the UK, it makes sense to be budget conscious and prioritise value for money. In most cases, tinnitus life insurance should be available at very fair pricing with a range of great options available.

Before applying you need to remember that several factors can affect the cost of your cover, such as:

How to save on tinnitus life insurance

There are a few ways to lower the cost of your life insurance policy. The best way will be to think about all the key things you need from your cover and then compare available policies across providers.

Comparison will allow you to consider all the policies on offer and decide which one best matches your budget and the level of cover you need. Other ways you can save on your policy include:

  • Reducing how much cover you buy (£s)
  • Reducing your term of cover (how long you are covered for)
  • Changing the type of policy (e.g. term cover is more cost effective than whole life)

Tinnitus is defined by the NHS as ‘the name for hearing sounds/noises that do not come from an outside source’. This condition can usually be diagnosed during a hearing test.

There are several types of tinnitus including pulsatile tinnitus, subjective tinnitus or objective tinnitus. There are ways of treating tinnitus including cognitive behavioural therapy (CBT) to lessen the impact of loud noises on everyday life.

You can experience tinnitus in one or both ears and it is not usually classed as a severe medical condition, but can be caused by other underlying conditions. You can hear various sounds due to tinnitus including:

  • Ringing
  • Buzzing
  • Humming
  • Hissing or throbbing

Tinnitus can be a side effect of or linked to various health conditions such as:

If you need help finding the right tinnitus life insurance policy to protect your home and family, our specialist advisors are here to help. We can compare policies across the UK’S TOP INSURANCE PROVIDERS to make sure you get a great policy at the BEST price.

With over 20 years of expertise and close connections with top specialist underwriters, we know which insurers are best for covering medical conditions like tinnitus. We have helped many people with tinnitus find the best cover at a budget friendly price.

Useful resources

Tinnitus UK – What is tinnitus?

NHS Inform – Tinnitus

Mayo Clinic – Tinnitus symptoms & causes

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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