Yes, if you have hypothyroidism, you’ll be able to get life insurance and if you play your cards right….
…you can get the standard price.
But make sure you speak with a knowledgeable, independent life insurance specialist, who deals with all 5 life insurance companies in Ireland.
If you don’t get quotes from all 6 providers, you might end up paying too much for your cover.
Usually you’ll get the normal price if your thyroid is being treated with medication like levothyroxine/eltroxin, without complications.
Information typically required for life insurance with underactive thyroid is as follows.
The insurer will request you complete a questionnaire.
A detailed questionnaire should avoid the need for a medical report from your GP.
Hypothyroidism is where the thyroid gland fails to produce sufficient amounts of the thyroid hormones.
Symptoms of hypothyroidism include
A blood test measuring your hormone levels is the only accurate way to find out if there is a problem.
The test, called a thyroid function test, looks at levels of thyroid-stimulating hormone (TSH) and thyroxine in the blood.
A high level of TSH and a low level of thyroxine hormone in the blood could mean you have an underactive thyroid.
If your test shows raised TSH but normal thyroxine, it means you may be at risk of developing an underactive thyroid in the future.
Hashimoto is an autoimmune thyroidism with some inflammation, but it’s treated like any other hypothyroidism. If controlled, you’ll get the normal price.
Hyperthyroidism is a condition in which an overactive thyroid gland is producing an excessive amount of thyroid hormones that circulate in the blood.
You should get the normal price it you’re being treated without complication.
Again, the normal price is possible.
Hypothyroidism shouldn’t affect your life insurance premium as long as you apply to an insurer who understands your condition.
But remember, some insurers are better than others when it comes to life insurance with underactive thyroid
If you’d like some help, please call me on 05793 20836 or complete this underactive thyroid questionnaire and I’ll be right back.
I will speak to all 5 insurers on your behalf, on a no name basis, to see who can offer you the best terms before you apply.
It’s the most hassle-free way of getting life insurance quickly and easily.
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