Life Insurance with Tinnitus

Life Insurance

Tinnitus is a condition that will typically need to be disclosed on life insurance applications and can be unpleasant.

When applying for life insurance with tinnitus, insurers mainly focus on the underlying cause of the condition. They will want to know:

1. How frequently you experience symptoms?
2. When you were first diagnosed?
3. If any underlying condition has caused the tinnitus?
4. If the tinnitus affects your daily living, or ability to work?

Individuals with tinnitus and no other medical conditions may qualify for life insurance at standard rates. If there are other medical conditions contributing to your tinnitus, an insurer will usually request a medical report from your GP to gather information about your overall health.

If your medical history indicates other significant health issues, the insurer might be able to provide you with life insurance under non-standard conditions.

Critical Illness

Just like with life insurance, the insurer you apply to for critical illness cover will need detailed information about your tinnitus history. Please provide details about your symptoms, diagnosis date, any identified underlying conditions causing tinnitus, and the severity of your symptoms.

If your symptoms are serious and a specific underlying condition has been pinpointed as the cause, the insurer may require a report from your GP. Coverage may be available in certain situations at standard terms, although the insurance provider may choose to exclude deafness from the policy’s claims.

If other conditions are causing your tinnitus, they will likely be assessed in relation to your application.

Income Protection

Insurers need to understand the impact of the condition on your life, the severity of symptoms, and any underlying cause, just like they do with other types of insurance.

Specifically, they will be interested in learning about the amount of time you had to take off work due to the condition or related conditions.

To receive more details, simply request a callback and one of our knowledgeable advisers will assist you.