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We're experts in life insurance and health insurance, especially for people with medical conditions, dangerous jobs and hazardous activities. We've helped thousands of families to get the best protection over the past 20 years and make sure that they pay a 'fair price'. Everyone is different and their financial needs are unique to them... which is why we treat everyone as individuals and do our best t help. We're also rated 4.9 out of 5.0 by our customers

Underactive thyroid and life insurance (hypothyroidism)

If you’ve been diagnosed with an underactive thyroid (hypothyroidism) and you need life insurance to protect your family then cover is available. An underactive thyroid in most cases is a fairly low risk medical condition and symptoms are not usually life-threatening.

The main thing for anyone with a medical condition like underactive thyroid is to get the best cover at the right price. You might know that the cost of life cover can vary from one insurer to another, so make sure that you apply to the best provider for you.

Our team of life insurance experts will guide you through the application process to make sure you don’t pay more for cover.

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The facts about getting life insurance with an underactive thyroid

Having a pre-existing medical condition can be difficult and may put some people off applying for life cover. It’s important to get the best advice so you get the cover you need to protect your family and your home at a fair price.

Here we explain more about how the process works when you apply for life insurance with an underactive thyroid. Some of the main questions that we get asked by people that we speak to include:

How much does life insurance cost with an underactive thyroid?

The cost of life insurance is purely based on several key areas that are the same for anyone applying for a policy. Some of the main areas that will have an impact on how much you’ll pay for life insurance are:

  • Your age (the younger you are the cheaper the cover will be)
  • Amount of cover (£’s)
  • Term of policy (years)

Some of the main health and lifestyle elements include:

  • Smoking
  • Height and weight (BMI)
  • Medical history
  • Occupation
  • Activities

All these will then mean that your price for life insurance will be based on all the various areas above and anything you disclose, such as underactive thyroid.


Can I get a cheaper underactive thyroid life cover?

It is possible to reduce the cost of life insurance and there are several reasons why you might be paying more than you should for cover. Some of the main reasons why life cover could be more expensive than it should be:

  • Wrong insurance company
  • Bad advice
  • Wrong amount of cover
  • Cover was taken at the wrong time

We think that people should regularly review their life insurance (at least every 5 years) to make sure that the cover they’ve got is appropriate and affordable.

Can I get life insurance with an underactive thyroid?

You should have absolutely no issues in getting life cover if you’ve been diagnosed with an underactive thyroid. Most of the standard high street insurers will offer this type of cover and premiums should be very reasonable.

If you disclose a medical condition like underactive thyroid, then you’ll just need to answer some questions about that. Some of the most common questions will include:

  • When were you diagnosed?
  • Have you been hospitalised or had any surgery?
  • What are your TSH levels?
  • What caused you to be diagnosed with an underactive thyroid?

Getting the best coverage and paying the right price will also depend on your answers to these questions.

What might stop me from getting life insurance with an underactive thyroid?

There are a couple of things connected to having underactive thyroid that might cause additional complications. Some of the main issues that we see are:

  • Recent surgery
  • Outstanding investigations
  • Raised TSH levels
  • Other medical complications

It’s not always a major problem and can often just be a case of adjusting our approach to get you the right cover.

There are some instances where it might just not be the right time for you to apply for life cover. In certain situations, you may get postponed cover for a period of time which might just be because of other complications, such as unstable readings.

What if I’ve been declined life insurance because of an underactive thyroid?

You may also have been declined cover in the past but that’s not usually a problem. There are a number of reasons why you might have been refused to cover with certain insurance providers.

In this scenario, the best thing to do is to speak to an expert to get the best advice for your needs.

There are also products and providers who offer guaranteed cover which will ignore any pre-existing conditions. In this instance, you’ll have certain exclusions relating to your underactive thyroid and connected issues.


Can I get critical illness cover with an underactive thyroid?

Yes, you can get critical illness cover if you’ve been diagnosed with an underactive thyroid. There are a few things to consider when you apply, but generally, you should be able to get this type of policy.

If you’ve got no other health or medical issues and your condition is well controlled, then cover will be available instantly. In most cases, you won’t even need to provide a GP report or have a medical.

It is also possible, however, that if your medical status is slightly more complicated, you might have some other considerations. You could be offered a critical illness cover policy with ‘exclusions’ which means you’ll have certain things not covered.

You’ll need to check your policy wording very carefully to make sure that you know exactly what you’re getting. If you’re not sure then you should speak to your adviser who’ll be able to explain everything to you.


Can I get income protection with an underactive thyroid?

You’ll generally be able to get income protection with an underactive thyroid, especially if your health is good. Most of the main insurers will offer this type of policy and premiums should be very competitive.

You should consider which options you need and what works for you to make the policy right for you. Usually, there will be extra questions about your condition to assess whether there are any other issues.

Some of the main options include:

  • Deferred periods (e.g. 0, 4 weeks, 8 weeks, 12 weeks, and 24 weeks)
  • Level of cover
  • Type of cover


If you’ve got any questions about the best options for getting income protection with an underactive thyroid, then call us on 0800 009 6559.