Thyroid Diseases Life Insurance

Life insurance for thyroid diseases involving the parathyroid gland is readily insurable for most people.

Thyroid Diseases Overview

Common conditions according to EndocrineWeb include hyperthyroidism, hypothyroidism, goiters, and thyroid nodules.

Most controlled endocrine-related conditions have minimal impact on high-risk underwriting.


Your thyroid gland produces too much hormone when you have hyperthyroidism.

Your thyroid gland lowers your TSH and elevates your T3 and T4 results.

Typical treatment includes thyroid medication.

A common cause of hyperthyroidism is Graves’ disease.

Graves cause an autoimmune stimulation of the thyroid gland.

The preferred best rates are available for controlled hyperthyroidism.


Hypothyroidism is when your thyroid gland doesn’t produce enough thyroid hormone.

Hashimotos’ thyroiditis is a common cause of hypothyroidism.

Your thyroid gland elevates your TSH and lowers your T3 and T4.

Hormone replacement is a common thyroid treatment.

Life insurance at the best rates is available for controlled hypothyroidism.


A goiter is a thyroid gland that is abnormally large.

It may cause an underactive or overactive thyroid gland.

As long as the goiter has been checked by your endocrinologist, it will not affect your underwriting.

Thyroid Nodules

Nodules are lumps that form in your thyroid.  

While most thyroid nodules are benign, approximately 5% will turn out to be thyroid cancer.  

Thyroid nodules may be difficult to work with at times, depending on the type of examination you’ve had.

It’s important to have a few follow-up sonograms to confirm that the nodule is stable with no changes.

If you had a fine needle biopsy with benign results, the best rates are available.  

Underwriting Questions

Life insurers want to know:

  • What is your exact diagnosis?
  • How is your condition being treated?
  • Were any ultrasounds or biopsies completed?
  • Have all the recommended tests been completed?
  • Are there any complications from your condition?
  • Do you have any other conditions such as heart disease?

Final Words

Please take a few minutes to submit your quote request.

We’ll tell you which companies are best based on your condition.

There is never any pressure or obligation with our service.

Michael Horbal - Author

Michael J. Horbal

Owner of RiskQuoter

Too many people overpay for life insurance because they have the wrong life insurance company, agent, or both. That’s why I started RiskQuoter – To help you get the best life insurance rates available.

As an independent insurance agent, I’m licensed in all 50 states and the District of Columbia and offer 40+ life insurance companies to ensure you get your best rate!

By Michael Horbal – Updated on 01/28/2023

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