Endometriosis Life Insurance

Q: Can I secure life insurance with endometriosis?

Yes, life insurance may be available for individuals with endometriosis and it could be obtained at a standard rate. However, the severity of your condition and your personal circumstances will affect availability and terms of the policy. There is no dedicated life insurance plan designed specifically for individuals with endometriosis. Endometriosis life insurance refers to an individual seeking life coverage while dealing with this condition.

Q: Is endometriosis considered a pre-existing medical condition?

Yes, endometriosis is considered a pre-existing medical condition , this is if you have been diagnosed by a doctor or GP. Therefore, when applying for life cover it is important that you declare your pre-existing condition and any other medical conditions. It's essential that you’re open and honest in your application, otherwise your loved ones may not receive a pay out when you pass away due to non-disclosure . By making sure you include your medical condition in your application can also mean you’ll be able to take out a suitable policy for your personal circumstances.

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Endometriosis life insurance

Can I secure life insurance with endometriosis?

Yes, life insurance may be available for individuals with endometriosis and it could be obtained at a standard rate.

However, the severity of your condition and your personal circumstances will affect availability and terms of the policy.

There is no dedicated life insurance plan designed specifically for individuals with endometriosis. Endometriosis life insurance refers to an individual seeking life coverage while dealing with this condition.

It's a condition where tissue that is similar to the lining inside of the uterus, grows outside the uterus. Symptoms can be painful for some, whereas many women may not have any noticeable symptoms at all.

It affects 10% of women in the UK (over 1.5 million) from puberty to menopause^[1].

Endometriosis itself is not a life-threatening condition, therefore it may not affect the cost of your premiums.

Reassured can provide you with a wealth of information and personalised life insurance quotes for those living with endometriosis.

Compare free, no-obligation life insurance quotes through Reassured for an easy, stress free experience.

Find Life Insurance with Endometriosis »

Endometriosis and life insurance key points:

You may be able to secure affordable life insurance with endometriosis
Endometriosis is a complex disease that affects many women globally, it causes severe pain in the pelvis whereas some women don’t have any symptoms
Endometriosis doesn’t count as a critical illness as it doesn’t directly impact your life expectancy
You may not be asked to complete a medical exam
Endometriosis can be associated with mental health conditions, including depression, therefore insurers may ask about linked conditions

Does endometriosis affect my life insurance?

Endometriosis may not affect your life insurance. This is because endometriosis isn’t counted as a ‘life-threatening condition’ and is unlikely to directly impact your life expectancy.

The insurers may consider your endometriosis a risk if it’s associated with other medical conditions (e.g. depression), complications or if you are awaiting further investigations / surgery for your condition.

However, if your endometriosis is under control and you have no other health issues, then your application could be standard.

You will be asked medical questions during the application process so the insurer can assess your health and how it may affect you personally.

Reassured could help you secure a policy suitable to your personal circumstances by comparing quotes from some of the UK's best insurers.

What policy options are available?

There are many policy options available, catering to different needs and circumstances. Below are the most popular policy options:

Level term life insurance

A fixed pay out sum
Cover for a specified period (between 2 - 40 years)
Cover amount up to £1,000,000
You will be asked medical questions in the application

Decreasing term life insurance

Pay out sum decreases over the term of your policy
Cover for a specified period (between 2 - 40 years)
Cover amount up to £1,000,000
You will be asked medical questions in the application

Over 50s life insurance

Guaranteed acceptance for UK residence aged between 50 - 85
Application doesn’t require any medical information (therefore not affecting premium costs)
Fixed monthly premiums until you turn 90 years of age (or pass away)
Guaranteed pay out up to £20,000 - after initial 12 - 24 month waiting period (depending on insurer)

Whole of life insurance

Long term cover (policy lasts for the rest of your life)
Pay out when you pass away, not if, up to £1,000,000
Fixed monthly premiums
You will be asked medical questions in the application

Why not get in touch with one of our friendly professionals here at Reassured (and our advised team) to get free quotes for any of the policies listed and more?

How much life insurance do you need?

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Why use Reassured to compare quotes for life insurance with endometriosis?

Reassured can compare quotes from some of the UK’s leading insurers, including specialist providers
We have a specialist impaired team who can help those who’ve previously been declined find some form of cover
We’re rated as ‘Excellent’ on Trustpilot with over 80,000 customer reviews
We’re the UK’s largest life insurance broker^*
Fee free, no-obligation quotes, personalised to fit your needs
Free trust writing service with most of our policies, that can help to avoid or minimise 40% inheritance tax
We are FCA (Financial Conduct Authority) regulated

Is endometriosis considered a pre-existing medical condition?

Yes, endometriosis is considered a pre-existing medical condition, this is if you have been diagnosed by a doctor or GP.

Therefore, when applying for life cover it is important that you declare your pre-existing condition and any other medical conditions.

It's essential that you’re open and honest in your application, otherwise your loved ones may not receive a pay out when you pass away due to non-disclosure.

By making sure you include your medical condition in your application can also mean you’ll be able to take out a suitable policy for your personal circumstances.

The exception to this is an over 50s plan, where the application doesn’t have any medical questions and you don’t need to disclose a pre-existing medical condition.

What will I be asked in the application?

Insurers will ask if you have any medical conditions when you apply for life insurance (unless you apply for over 50s cover) to gain a better understanding of your health and your personal circumstances.

When applying for life insurance with endometriosis, you may be asked:

When were you diagnosed with endometriosis?
When did you last experience symptoms?
Have you needed to have surgery?
In which part of the body does the condition impact you?
Have you experienced anxiety or depression?
Do you take any medication?

You may also be asked about if you’ve had any fluctuations in your weight or if you’ve experienced any other health issues.

(Different insurers may require different information surrounding your medical condition).

You may also be asked about other factors that will also determine your eligibility and the cost of your premiums, these will include:

Age
Whether you're a smoker
BMI
Family medical history
Occupation/ lifestyle

FAQs:

Can I get income protection with endometriosis?

Yes, you could secure income protection with endometriosis.

Income protection is a type of policy that can help to cover up to 70% of your monthly income if you’re ever unable to work due to an injury or illness.

Reassured can help you find your best deal on income protection quotes with our UK whole of market comparison service.

Can I get critical illness cover with endometriosis?

Yes, you may be able to secure critical illness cover with endometriosis.

For an additional cost, you can add critical illness cover to your life insurance policy which will offer a pay out if you are ever diagnosed with a serious illness (that’s specified within your policy).

Please note, endometriosis isn’t a critical illness and any conditions developed as a result of the endometriosis may be excluded from the plan. Therefore, you would not receive a pay-out if you made a claim for it.

Why not add critical illness cover to your life insurance policy for an additional fee through Reassured?

Will I need to do medical exam?

As long as your condition is stable, and you aren’t under any medical investigations then you may not need to do a medical exam in order to secure a life insurance policy.

Unless you have another medical issue such as such as high BMI, diabetes or other issues, your policy application could be straight forward.

However, this will depend on the insurer and their terms; in some cases they may ask to see your medical records or a GP report. However, they won’t be able to gain access without your permission.

Please note, if you don’t give permission for the required information, your application may not be processed as the insurers will not have all they need to underwrite the policy.

Why do I need life insurance with endometriosis?

Having a life insurance pay out could help financially protect your loved ones if the worst were to happen to you. It can help to cover costs, such as: