Life insurance with gout
Gout has a reputation problem, but not much of an insurance problem. If your gout is managed, whether through medication like allopurinol or through diet and lifestyle, cover is usually very achievable, often at or near standard rates. The trick is answering the right questions well.
What insurers actually care about
Gout is a form of inflammatory arthritis, caused by urate crystals forming in a joint rather than by an immune condition attacking it, so insurers assess it on its own terms. They aren't interested in the old jokes. They want to know how often you get attacks, whether you're on preventative medication, and whether the gout has affected your kidneys, because frequent or long-standing gout can be linked to kidney and heart considerations. One or two attacks a year, well managed, is a very different application from monthly flare-ups, and we make sure insurers see which one you are.
What insurers look at with gout
- How often you have attacks, and when the last one was
- Whether you take preventative medication such as allopurinol
- Any kidney problems or kidney stones
- Blood pressure and heart health, which insurers consider alongside gout
- Your weight, alcohol intake and general lifestyle
How it works
A quick, private health check online. A call with a friendly UK adviser. Then we approach the right insurers, handle the paperwork, and keep you updated. Straightforward cases can often proceed without a GP report.
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Written and reviewed by
Andy Stevens CMap
Co-Founder and Protection Specialist
Andy has spent more than thirty years placing life insurance for people insurers find difficult, including inflammatory arthritis, and he still speaks to clients himself. He co-founded Arthritis Life so that people living with arthritis get an adviser who understands modern rheumatology rather than a form that treats every type the same.
- Diploma in Regulated Financial Planning (CII)
- Member of the Chartered Insurance Institute
- Over 30 years in impaired risk life insurance
Last reviewed . This page is general information about insurance, not medical advice or a personal recommendation. More about us.
Frequently asked questions
Living with a different condition? Read about rheumatoid arthritis, psoriatic arthritis, ankylosing spondylitis, osteoarthritis or fibromyalgia.
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