Gout Life Insurance

Not sure on how to get affordable Gout Life Insurance? At Life Insurance Cover we find the protection you are looking for. Life Insurance Cover compares all of the different insurers to quickly and easily find cover that protects you and your loved ones.

Gout Life Insurance

What Is Gout?

Gout is a type of arthritis in which small crystals form inside and around the joints. It causes sudden attacks of severe pain and swelling. It’s estimated that between one and two in every 100 people in the UK are affected by gout. The condition mainly affects men over 30 and women after the menopause. Overall, gout is more common in men than women. Gout can be extremely painful and debilitating, but treatments are available to help relieve the symptoms and prevent further attacks.

Signs & Symptoms Of Gout

Any joint can be affected by gout, but it usually affects joints towards the ends of the limbs, such as the toes, ankles, knees and fingers.

Symptoms of gout include:

  • Severe pain in one or more joints
  • The joint feeling hot and very tender
  • Swelling in and around the affected joint
  • Red, shiny skin over the affected joint

Symptoms develop rapidly over a few hours and typically last three to 10 days. After this time the pain should pass and the joint should return to normal. Almost everyone with gout will experience further attacks at some point, usually within a year.

What Causes Gout?

Gout is caused by a build-up of a substance called uric acid in the blood. If you produce too much uric acid or your kidneys don’t filter enough out, it can build up and cause tiny sharp crystals to form in and around joints. These crystals can cause the joint to become inflamed (red and swollen) and painful.

Things that may increase your chances of getting gout include:

Obesity, high blood pressure and/or diabetes

Having a close relative with gout

Kidney problems

Eating foods that cause a build-up of uric acid, such as red meat, offal and seafood

Drinking too much beer or spirits

Can gout cause further problems?

Sometimes gout can lead to further problems, particularly if it’s left untreated including:

Kidney stones

Small firm lumps of uric acid crystals under the skin called tophi

Permanent joint damage

Complications Of Gout

Complications of gout can include small lumps forming under the skin (tophi), joint damage and kidney stones. These are more likely to occur if gout is left untreated.


Gout is caused by a chemical called uric acid forming small crystals in and around the joints. These crystals also often build up under the skin and form small white or yellow lumps known as tophi.

Tophi are usually painless, but they can form in awkward places, such as at the ends of your fingers and around your toes. Sometimes they can make everyday tasks such as preparing food or getting dressed difficult. They can also can become inflamed and produce a toothpaste-like discharge.

It normally takes several years after the first attack of gout for tophi to develop, but some people develop them even before experiencing an attack. They’re usually a sign of severe gout and a good reason to start treatment to reduce the level or uric acid in your body.

Successful treatment will prevent the tophi from getting any bigger, and long term treatment often gradually shrinks them.

Joint Damage

Without treatment, gout attacks may become more frequent and prolonged, and your likelihood of developing permanent joint damage will increase. In the most serious cases, surgery may be required to repair or replace a damaged joint.

Kidney Stones

Occasionally, high levels of uric acid can lead to the formation of kidney stones. Some kidney stones interfere with the flow of urine, resulting in pain when you pass urine, and can make you feel that you need to pass urine more often. You may be prescribed medication to make your urine less acidic, which should help dissolve any kidney stones that have developed. Read more about treating kidney stones.

Psychological & Emotional Effects

Gout can also affect your mood, work and home life. The severe pain that gout causes can make it difficult to do everyday tasks and to get around, which in turn can lead to feelings of depression or anxiety.

Many people who suffer with Gout have been accepted for life insurance. Insurers will however accept applications based on how severe the condition is. By writing to your GP to confirm your treatment and whether there are any medical complications. Also the impact the condition has on their lifestyle and ability to work.

Finding Gout Life Insurance

We search for the best possible protection for you, Life Insurance Cover can find the right policy types and protection for you. It can be difficult to find the right Gout life insurance cover for your needs, but we can help you.

As Gout is a long-term condition that links to other health conditions. Some insurers may be wary about accepting applications. All insurers underwrite applications by writing to your GP to confirm treatment and medication. By completing the medical forms from customers looking for Gout life insurance. This ensures they manage and assess their level of risk. If you have had complications or secondary medical problems. It can be challenging to know where to find an insurer that can meet your needs.

At Life Insurance Cover our specialist team are here to help you to compare prices and find the best deal that is within your budget.

Gout Life Insurance Cover

Costs For Insurance Premiums

As Gout is a long-term health condition, some insurers may charge higher premiums than a person with no health conditions at all. This will however depend on the severity of your condition. Whether you are able to keep your symptoms under control with medications and/or diet or lifestyle. If you have had hospital admissions as a result of Gout, your premiums may be higher and an insurer may request some further details from your doctor to determine your premiums.

Prices from insurers will vary depending on who you speak to. Life Insurance Cover is the perfect place to find the best Gout life insurance.

Who Offers Gout Life Insurance?

Life Insurance Cover works with all of the UK’s life insurers for Gout life insurance. Our panel of FCA registered life insurance specialists will provide quotes. We will get a quote from more than one life insurance company and compare the one that is best for you. By submitting your details through one of our quick and easy online forms to receive quotes. Our UK leading FCA-regulated insurance providers will help you to find:

– The best price for Gout life insurance

– Protection for complete peace of mind

– A specialist insurer that understands you and your symptoms

Different protection for Gout

Critical illness cover

Critical illness insurance offers protection for many conditions including cancer. If you have received a diagnosis for Gout. Acceptance of your application will depend on various factors. This will include your overall health, whether your symptoms are under control. An insurer may want a medical report to review your current treatment. If you have experienced medication complications, you may face higher premiums or may even need to take out a policy with a specialist insurer.

Life Insurance Cover offers policy comparison services to help you find the right cover and take the hassle out of the application process. Simply complete the enquiry form to get a quote. It’s quick, simple and completely free.

For more information on Gout:

UK Gout Society


Do you have a ongoing medical condition and require life insurance cover? At Life Insurance Cover we take the time to find the best policy and save you money. We also make the purchasing of life insurance as quick and simple as possible. Fill in the easy no obligation enquiry form to speak with member of our specialist team. Get protected with life insurance.