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Life Insurance with Overactive Thyroid

November 7 2019 4 min read Life Insurance Medical Issues


life insurance with overactive thyroid

See here for life insurance with an underactive thyroid

Suffering from overactive thyroid?

You’re not alone, it’s one of the most common health conditions we see in life insurance applications.

An overactive thyroid or hyperthyroidism shouldn’t affect the price of your life insurance provided:

  1. it’s well controlled and under regular supervision with no complications.
  2. you apply to the right life insurance company (some are to be avoided)

You’ll be relived to hear that an overactive thyroid shouldn’t affect your application for specified illness cover or income protection either.

How does hyperthyrpidism affect life insurance or mortgage protection?

The thyroid gland releases hormones that control the metabolism and govern the way the body uses energy including how fast you burn calories and how fast your heartbeats.

If you suffer from Hyperthyroidism, your thyroid gland is overactive and makes excessive amounts of the thyroid hormone. The most common causes are Grave’s disease (auto‑immune disorder) and thyroid goitre (an enlargement of the thyroid gland). The condition can be treated with medication, radioactive iodine or surgery.

Hypothyroidism symptoms include dry skin, brittle hair, weight gain, tiredness, cold intolerance, a hoarse voice, constipation, lower libido, muscle weakness, heavier periods, a puffy face and bags under the eyes, slow speech, movements and thoughts, depression, memory problems, difficulty concentrating, a slow heartbeat, slightly raised blood pressure and raised cholesterol.

Questions asked when applying for life insurance with an overactive thyroid

The life insurance company will ask questions such as:

  • When were you diagnosed?
  • What are the type, frequency and dates of your symptoms
  • Are you under regular supervision?
  • When did you last attend your doctor?
  • What are the results of your most recent thyroid function tests (TFTs)?
  • What’s your current treatment? (type and dosage of any medication)
  • Have you ever had or are you waiting for an operation?
  • Have you ever been off work with this condition? (dates & duration)

If the insurer needs more information to make a decision, they will write to your GP for a medical report.

Life insurance with overactive thyroid

Choosing the most suitable insurer and packaging your application correctly is a very important first step.

We know the insurers who are more lenient when it comes to assessing life insurance with an overactive thyroid.

If you decide to apply through us, I’ll help you through the application process and advise the best course of action to obtain your life insurance at the lowest possible price, with the least amount of hassle.

We have arranged life insurance for many clients with an overactive thyroid so we know what we’re doing.

All of our discussions will be on a strictly confidential basis.

Over to you…

Would you like the best price when applying for life insurance with an overactive thyroid?

Simply complete this short form below so I can discuss your case in confidence with my underwriters.

If you’d prefer a quick chat first, please call me on 05793 20836.


Life Insurance Medical Issues
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Life Insurance With Underactive Thyroid

An underactive thyroid means your thyroid gland, located in the neck, does not produce enough hormones.

You'll be glad to hear it shouldn't affect your life insurance once it's been treated, without complications, by medication.

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