Can I secure life insurance with endometriosis?

Yes, life insurance is 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.

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’re not likely to be asked for a medical exam if your endometriosis is manageable (however this depends on your personal circumstances)
  • 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)
  • Guaranteed pay out when you pass away 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 to get free quotes for any of the policies listed and more?

How much life insurance do you need?

Find out how much life insurance may be right for you by using our simple calculator. Fill in the costs you would like your policy to cover.


£121,687 is the estimated average outstanding mortgage per household in the UK.

Our property is generally the largest financial commitment any of us will make.

Your life insurance should cover this significant debt should you no longer be around.


According to Money Advice Service, full-time childcare in the UK now costs £242 a week.

The loss of a parent could result in the need for additional childcare whilst the surviving parent increases their hours to account for lost income.

Your life insurance cover should factor in this additional required outgoing.


The average level of debt (minus a mortgage) in the UK is £15,385.

Factoring in any outstanding debts in your name when arranging life insurance ensures this burden is not passed to loved ones.


You may wish to leave your loved ones an inheritance or lump sum gift upon your passing.

Factoring in the gift amount when arranging your cover will ensure the pay out amount will be sufficient to provide your loved ones with this selfless gesture.


According to SunLife, the average cost of a UK funeral is now £4,417, whilst the total cost of dying is £9,493.

This is a 130% increase over the past 16 years and shows no signs of slowing down.

A significant cost which should be factored into the amount of life insurance you secure.


If you are one of the 65% of the UK who are lucky enough to have savings, this could be used as protection if you were to pass away.

Any pay outs from existing life insurance policies and investments can also be used as financial protection for your loved ones if you were no longer around.

Factor this into your required cover amount.

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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:


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:

  • Mortgage/ rent payments
  • Funeral costs
  • Household bills
  • Childcare bills
  • Any outstanding debts

By securing life insurance you can give yourself and loved ones peace of mind.

Related topics

Some related topic pages we have to endometriosis:

Compare life insurance quotes with endometriosis

Having endometriosis won’t necessarily affect your policy, but it’s important to compare quotes and explore your options to find your best deal.

Here at Reassured, our professional agents can answer all your questions and offer you reassurance when starting your life protection journey.

We can source quotes from UK leading insurers to help you find a budget friendly suitable policy catered to your personal needs.

Why not get in touch today to become one step closer to financially protecting your loved ones?



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