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VITILIGO LIFE INSURANCE

Having a medical condition like vitiligo shouldn’t stop you from getting the life insurance you need to protect your home and family.

Life insurance is the best way to ensure your loved ones are financially supported in the event of your death. Vitiligo is considered a milder medical condition and so should not cause issues when applying for life insurance.

As the UK’s #1 rated pre-existing conditions life insurance experts, we know the best insurers for people with medical conditions. We can compare rates across the UK’S TOP INSURERS so you can be certain you are getting the best quality cover at a fair price.

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by Elizabeth Turner-Long - 9th August 2023

YES – your life insurance will cover you if you are diagnosed with vitiligo. Being diagnosed with a medical condition shouldn’t affect your policy after it is in place.

It can also be simple and affordable to get life cover if you already have vitiligo. Vitiligo generally doesn’t have severe symptoms so cover can be available instantly, with no need for medical reports.

It is important to think carefully about the life insurance you choose, as you will be protecting your home, family or business. Choosing the right policy can make a big difference in how much you pay and the level of cover you get. Our experts can help you with a range of policy types including:

YES – your life insurance will pay out a cash lump sum to your loved ones if you were to pass away.

Life insurance is one of the best ways to make sure your family is well looked after. The last thing anyone wants is for the people they care about to struggle financially. Having the right life insurance policy means they don’t have to.

The pay out from your policy can be used to cover important bills and expenses such as:

  • Mortgage or rent payments
  • Funeral expenses
  • Household bills (utilities)
  • School fees
  • Cost of living

When you apply for life insurance with vitiligo, there are a few things to think about. You will be asked a variety of questions about your health and lifestyle with any life insurance application. This will include questions about things such as:

  • Your age
  • Height and weight
  • General health and lifestyle
  • Smoker status
  • Any dangerous activities or hobbies
  • Do you have a high-risk job?

If you have vitiligo, you may also be asked:

  • When were you diagnosed?
  • Do you have any other related medical conditions? (e.g. diabetes)
  • Have you suffered with mental health issues relating to your vitiligo?
  • Have you been prescribed vitiligo treatments or medication? (e.g. topical creams or phototherapy treatment with light)
  • How severe are your symptoms?

YES – there are many great life insurance providers that will be able to offer cover for people with vitiligo.

It will be classed as a pre-existing condition and all insurers view these differently when underwriting policies. You shouldn’t have any major issues finding life insurance with vitiligo in most cases.

Can I get critical illness cover with vitiligo?

YES – there shouldn’t be any problem for most people with vitiligo to get critical illness cover. If your vitiligo is caused by another autoimmune condition (e.g. overactive thyroid), both conditions will be considered as part of your application. 

If your vitiligo symptoms aren’t severe and you’re not using strong medication, you could find cover that is far cheaper than you might think.

Critical illness cover is a useful insurance policy, paying out a lump sum if you are diagnosed with a serious medical condition. You can use this money to pay for things like:

  • 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 vitiligo life insurance cost?

How much you pay for your life insurance will be affected by several main factors. These are:

  • Your age, height and weight
  • The insurance provider you choose
  • The type of policy e.g. family life insurance, mortgage life insurance etc.
  • The length of cover you need (whole life vs term life insurance)
  • The amount of cover you need (£s)

How to save on vitiligo life insurance

The BEST way to save on your life insurance is by assessing the level of cover you need and your budget and then comparing the policies available.

There also a few other things you can do to save on an existing life insurance policy including:

  • Reducing the amount of cover (£s)
  • Reduce the length of your policy
  • Changing the type of policy

Vitiligo is thought to be an autoimmune condition which causes white patches of vitiligo to appear on the skin. This is due to a lack of pigment called melanin. This is due to the body attacking melanocyte skin cells (cells that make melanin), believing it is attacking foreign cells.

There are various vitiligo causes and is thought vitiligo can be triggered by events such as:

  • Chemical exposure
  • Stressful events such as childbirth
  • Skin damage (e.g. sunburn)
  • Puberty or other hormonal changes
  • Liver problems
  • Kidney problems

Vitiligo symptoms most commonly affects the following areas:

  • Eyes
  • Mouth (outside and inside)
  • Groin
  • Fingers
  • Wrists
  • Armpits

There are 2 main types of vitiligo: segmental and non-segmental vitiligo. Segmental vitiligo is rarer with usually only one affected area (thought to be caused by chemicals released from nerve endings in your skin). Non-segmental vitiligo symptoms can appear on both sides of the body in symmetrical patches and can affect large areas.

As an autoimmune disease, vitiligo can be linked to various other conditions including:

If you have vitiligo and need life insurance, speak to one of our EXPERTS for more advice. We can help you compare the best rates and policies from a carefully chosen panel of excellent UK insurers.

We have years of expertise in life insurance, critical illness cover and income protection for people with pre-existing medical conditions like vitiligo. It can be straightforward to apply for life insurance with the right advice, and we aim to make this process easy and hassle free.

Useful resources

NHS – Vitiligo (NHS)

Mayo Clinic – Vitiligo: Symptoms & causes

American Academy of Dermatology – Vitiligo: Diagnosis and treatment

Global Vitiligo Foundation – Support groups

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