Life Insurance with Endometriosis

What Are My Chances of Getting Mortgage Cover with Endometriosis?

Complete this Questionnaire and Get a Tailored Quote for Your Endometriosis

If you’re wondering how endometriosis affects your chances of getting mortgage protection or life insurance, here’s the good news: your chances are excellent.

Excellent.

Endometriosis, while a chronic condition, is not life-threatening.

This means most insurers will view your application favourably, offering you the same pricing as they would for someone without medical conditions. In other words:

• The insurer shouldn’t add a loading (extra charge) to your policy.
• You can expect standard pricing for mortgage protection and life insurance.

So, rest assured—having endometriosis will not automatically result in higher premiums.

What Questions Will the Insurance Company Ask?

When applying for life insurance or mortgage protection, insurers must assess your medical history to understand your situation. For endometriosis, they’ll typically ask:

• When were you diagnosed with endometriosis?
• How severe is your endometriosis? (This includes symptoms such as pain, heavy periods, or fertility issues.)
• Have you had surgery? (If yes, were there any complications?)
• Are you currently taking medication for endometriosis?
• Do you go for regular checkups with your gynaecologist?
• Do you have a family history of uterine or ovarian cancer?

These questions help insurers evaluate your case, but don’t worry—they’re standard and straightforward.

Pro Tip: You can speed up the process by filling out a gynaecological questionnaire in advance.

Click here to complete it, and I’ll review your case anonymously with the insurers to get the best possible outcome.

Will I Need to Do a Medical?

In most cases, you won’t need a medical examination.

However, there’s a small chance the insurer may request a report from your GP. This is routine and helps confirm the details provided in your application.

How Much Will My Cover Cost?

The cost of your cover depends on your specific situation, but generally:

• If there are no complications (e.g., additional medical conditions or frequent hospitalizations), you should qualify for standard pricing for life insurance, mortgage protection, and serious illness cover.
• For income protection policies, the insurer may include an exclusion for absences from work related to endometriosis.

That’s why working with a broker is important—we know which insurers offer the best terms for conditions like endometriosis.

Where Can I Get a Quote for Life Insurance with Endometriosis?

We work with all the major life insurance companies in Ireland, including:

• Zurich Life
• Royal London
• New Ireland
• Irish Life
• Aviva

This means we can compare quotes across the market and match you with the insurer that offers the best terms for your situation.

Click here to compare life insurance and mortgage protection quotes now.

Is There Anything Else I Need to Know?

You can make the application process smooth and hassle-free by:

1. Providing detailed information. The more thorough you are in your application, the fewer follow-up questions insurers must ask.
2. Using a broker. A broker works for you—not the insurers—and will ensure you get the best deal with minimal fuss. We handle all the back-and-forth with the insurers, so you don’t have to.

Why Work With Us?

We specialise in arranging life insurance for clients with medical conditions like endometriosis. Here’s what you can expect:

• Tailored Service: Every application is unique, and we’ll work with you to ensure the best outcome for you.
• Expert Advice: With years of experience, we know which insurers are most flexible and understanding.
• Hassle-Free Process: We handle everything from initial quotes to final approval, saving you time and stress.

If you’d like five-star service, prompt responses to your queries, and peace of mind knowing your application is in expert hands, we’d be delighted to help.

Over to You…

Ready to take the next step?

• Call us on 05793 20836 for a chat about your options.
• Complete this gynaecological questionnaire, and we’ll get cracking immediately.

Let us help you get the cover you need—without any stress.