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Qualifying for Life Insurance with Hashimoto’s Disease

Researcher & Writer
August 06, 2017

Have you been diagnosed with Hashimoto’s Disease?  Are you worried that this “diagnosis” may affect the outcome of your life insurance application?  Well if so, you’ve come to the right place!

In this article…

We want to help will walk you through the info you’ll need when applying for life insurance with Hashimoto’s Disease as well has provide you with a few helpful tips which may help you save some money when purchasing your next life insurance policy.

With that said…

Let’s first take a moment and “define” what Hashimoto’s disease and understand why a life insurance company may be interested in the fact that you’ve been diagnosed with this condition.

What’s Hashimoto’s Disease?

Hashimoto’s disease or Hashimoto’s thyroiditis has to do with the immune system. Basically, what happens is that the thyroid tissue is attacked by your immune system.

Now the main problem isn’t Hashimoto’s Disease itself, it’s what it can become.

You see…

Having Hashimoto’s disease can lead one to develop hypothyroidism.  And hypothyroidism is a medical condition that can cause your thyroid to “fail” in producing all the hormones you need.

This can be a problem because…

A person’s thyroid can swell up, making it hard to swallow. There are a lot of other symptoms which could also occur such as:

  • gaining weight – many people with hypothyroid experience this
  • depression or any other shift in overall mood
  • hair loss
  • loss of color in the face (becoming pale)
  • change in menstrual cycles
  • muscle pain
  • always feeling cold

Unfortunately there’s no cure…

For Hashimoto’s disease, but most people with Hashimoto’s disease or any drop in hormones will wind up taking a hormone replacement therapy. The dosage will match your specific needs.

Hashimoto’s disease and life insurance.

Fortunately being diagnosed with Hashimoto’s disease isn’t a deal breaker when it comes to getting a traditional term or whole life insurance policy.  In fact, you may even be able to qualify for simplified issue life insurance policy (no medical exam required)!  You may even be able to qualify for a preferred rate.


In some circumstances, Hashimoto’s disease may be slightly problematic when applying for a life insurance policy. We’re not saying you won’t get it due to Hashimoto’s – that’s not the case – but hormone replacement can be negatively viewed by some—definitely not all—life insurance companies.

Which is why…

You’ll need to find the right life insurance company for your situation. Now there are definitely some life insurance companies out there that really couldn’t care less if you were taking any hormones to regulate your body. You just have to find those life insurance companies!


When you look for a life insurance company, you can’t single out one health issue and only ask how a life insurance company will view that one single thing.  You see, there’s a lot more to life insurance than Hashimoto’s Disease.

Life insurance companies are going to care a lot about a lot of other things as well. So, if we just gave you a list of life insurance companies that:

  • don’t care about Hashimoto’s
  • and don’t care about hormone treatments

Then we might mislead you into thinking that a particular life insurance company might be right for you, when in fact, it could be a terrible insurance company to choose.


We don’t want to do that – we want to make sure you actually do find a great life insurance policy that is right for you.


It’s important to understand that you are a sum of many parts. That basically means that we have to look at a lot of other aspects of your life before we can really determine the right life insurance company for you.

Let’s start by…

Looking at your general health. That includes basic stuff such as:

  • Weight/height/BMI
  • Blood pressure
  • Heart Rate
  • Basic Medical History
  • Recent surgeries (if any in the last 12 months)
  • Family Medical History

These few things will reveal a lot! After we know about this, we have some major insight into your eligibility for term or whole life insurance.


Let’s consider your lifestyle choices. Do you engage in any activities that could be viewed as “risky”? Those are things like:

  • Poor driving (as determined by your driving record)
  • Felony charges
  • Using illegal substances
  • Regular use of legal substances (alcohol, marijuana, prescription medications)
  • Adventure sports or somewhat dangerous hobbies (note: some hobbies are more dangerous than you might think – or at least your life insurance company might think so!)
  • Dangerous job (includes law enforcement, jobs that require excessive driving, construction, factory, etc)
  • Dangerous travel (Syria, Libya, Yemen, Iraq, etc)

Once we figure out all of these things…

Then finding you the right life insurance company is a lot easier—at least for experts like TermLife2Go.

Now there’s a chance…

That you may not qualify for a whole or term life insurance policy. That might happen if you have some serious underlying health problems. If you do, then you can still take a look at some “alternative” life insurance products like guaranteed issue life policies that won’t require that you be able to “medically” qualify in order to purchase them.

If you’re not sure which life insurance is right for you…

We can find you the best life insurance! This is because we work with dozens of the top life insurance companies that offer a wide variety of life insurance products.

We also know which companies view which things more dangerously and which are okay with certain “dangers”. This helps us to find you great coverage at a great price, no matter what your circumstances are or whatever pre-existing medical conditions you may have either!

So, what are you waiting for?  Give us a call today or visit our Online Life Insurance Quotes page and see what we can do for you!

Call Today 888-234-8376

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We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.