Autoimmune Disorders life insurance, critical illness cover and income protection

The facts about getting life insurance with Autoimmune Disorders

If you have an Autoimmune Disorder such as Diabetes, Multiple Sclerosis or Arthritis then you should speak to an expert about your life insurance needs. Taking out Automimmune Disorders life insurance could be a worthwhile option. Underwriting for Autoimmune Disorders life insurance can vary drastically from one provider to another, so talk to us today at Iam Insured about your circumstances and how we can help you.

You can get Automimmune Disorders life insurance at standard rates with no need for GP reports or access to medical records if your condition is well controlled and you have no reccuring symptoms that have an impact on your everyday life. Many applications for Automimmune Disorders have no additional loadings to premiums, or experience just a small loading.

What does Autoimmune Disorder life insurance cost?

If you suffer from an Autoimmune Disorder and need life insurance, critical illness cover or income protection then you will need to provide insurers with information about your condition. Insurance underwriters will assess your application for Autoimmune Disorder life insurance based on the following:

  • When you were first diagnosed
  • The kind of Autoimmune Disorder you have
  • Medications you may be taking for the condition
  • Any hospitalisation you may have needed as a result
  • Your current health and if you smoke

Your premiums for Autoimmune Disorder life insurance will also depend on:

  • Sum assured (£’s)
  • Term of cover (years)
  • Type of policy (e.g. Family, Mortgage, Whole of Life etc.)

Autoimmune Disorder life insurance rates/ratings

Rates for any non-standard cover such as Autoimmune Disorder life insurance will vary from one insurance provider to another depending on their underwriting philosophy. Insurance providers use a risk-based scale to determine the amount you will pay for your cover which uses a ‘percentage loading’ or ‘£’s per mille loading’. All insurance companies have their own underwriting criteria which will also change over time, so can be difficult to predict unless you regularly speak to them.

Percentage (%) loading for Autoimmune Disorder life insurance

A percentage loading basically applies a % to your standard premium based on the levels of risk calculated for your own circumstances. Your percentage loading will apply a multiple to your Autoimmune Disorder life insurance premium, which will be based on your health at the time of your application. You should also know that some insurance providers have different maximum levels to others, so some are prepared to take on higher risks (e.g. 250% or 400%).


Basic premium
% loading
Final premium
£20.00 50% £30.00
£20.00 100% £40.00
£20.00 150% £50.00
£20.00 200% £60.00
£20.00 250% £70.00

Per mille loadings for Autoimmune Disorder life insurance

You may also find that a ‘per mille loading’ could be applied to your Autoimmune Disorder life insurance premiums, but this is more rare and only tends to be used for more severe conditions such as Cancer. A ‘per mille loading’ will be an additional amount that is applied to your premiums which is based on the amount of cover you are applying for (e.g. £2 per thousand £’s of cover). The other difference with a ‘per mille loading’ is that it can be applied for the whole term of your Autoimmune Disorder life insurance policy, or for a period of time from the start of your policy (e.g. 2, 3, 4 or 5 years).

Exclusions for Autoimmune Disorder life insurance, critical illness cover or income protection

Another potential outcome when applying for a non-standard cover such as Autoimmune Disorder life insurance, critical illness cover or income protection is for an ‘exclusion’ to be applied to your policy. This means that you may have certain conditions which can be linked to your Autoimmune Disorder excluded from your policy. You may also find that certain additional benefits could be excluded such as Total and Permanent Disability, Waiver of Premium or Guaranteed Insurability.

How much cover do I need?

It is difficult to say how much cover you need when you are applying for an Autoimmune Disorder life insurance, critical illness cover or income protection policy. There are however some simple rules that you can follow which will give you a good idea for how much cover you need before you apply.

  1. You should also be aware that an Autoimmune Disorder life insurance, critical illness cover or income protection policy could increase after underwriting to reflect any additional risks of claim, so affordability may be a consideration.
  • Mortgage amount (£’s)
  • Outstanding debt (e.g. Loans, second charge, credit cards and other)
  • Dependants
  • Spouse or partner
  • Income (after tax)
  • Assets (e.g. car, house, business etc.)

Critical illness cover is slightly different to life insurance in the sense that it is designed to provide a lump sum payment if you are diagnosed with a critical or serious illness. Most people relate this type of cover to Cancer, which is the biggest reason for claims for critical illness cover. Things to consider are:

  • Income (after tax)
  • Mortgage payments (annual)
  • Cost of living (annual)
  • Any other possible costs (e.g. medical treatment or adaptations)

Underwriting for an Autoimmune Disorder critical illness cover application can vary even more than for life insurance due to the complexity of the claiming process and because there are so many Autoimmune Disorders that an individual can potentially suffer from. In past cases, some Autoimmune Disorders have not been possible to get critical illness cover for, such as Crohn’s Disease, but this is now changing and more underwriters are considering such conditions. There are also some specialist products available which can offer critical illness cover for Autoimmune Disorders with no underwriting and guaranteed acceptance (although pre-existing conditions are excluded). Call us at Iam Insured today, where we can help you find the right product that suits your needs.

Income protection is a very flexible product with a lot of options and variables, so you need to consider your own circumstances before you consider this type of policy. If you work and especially for people who are self-employed, an Autoimmune Disorder income protection policy can be a valuable product to give you peace of mind if anything happens to you. Some of the main aspects to consider are:

  • Monthly income (after tax)
  • Mortgage/rent payments
  • Debts (other)
  • Cost of living

Income protection for an Autoimmune Disorder is possible to get if your condition is well controlled and your symptoms are mild. There are more products out there for people seeking Autoimmune Disorder income protection, but generally there will usually be a premium loading and some exclusions for related conditions.

It is possible to get an Autoimmune Disorder life insurance policy from most insurance providers these days, however the cost will vary dramatically depending on their ability to underwrite you based on your condition and health.

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