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Huntington’s Disease Life Insurance

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Huntington’s Disease Life Insurance, Critical Illness Cover And Income Protection

The Insurance Surgery is a leading insurance expert for people with slightly different needs to a standard insurance application, including Huntington’s Disease life insurance, critical illness cover and income protection.

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Anyone who is classed as non-standard by insurance underwriters because of their medical history, occupation or an extreme sport will need to speak to a specialist who can direct them to the best company for their needs to make sure that they get the most suitable cover and at the right price. A person with Huntington’s Disease looking for life insurance, critical illness cover or income protection will find that most insurers will have additional requirements in terms of information requirements.

How Huntington’s Disease life insurance, critical illness cover and income protection works:

There are a number of critical factors which will be considered and assessed when reviewing and application for Huntington’s Disease life insurance, critical illness cover or income protection, including:

  • Date of diagnosis
  • Severity of symptoms
  • Areas and activities affected
  • Medication / treatment
  • Any other health or medical issues

If you need more information, advice or a quote for Huntington’s Disease life insurance, critical illness cover and income protection contact one of our team of experts who will help you to find the cover you are looking for.

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Huntington’s Disease life insurance

For someone looking for Huntington’s Disease life insurance you will find that cover can often be available, especially where the condition is mild and the applicant is fairly young (i.e. under 50 years of age). This type of cover can also sometimes even be offered at anything from standard rates in certain cases, however can often come with a small premium loading where the condition is slightly more severe or if the applicant is over 50.

Some of the key factors which would be taken in to consideration by insurance underwriters for Huntington’s Disease life insurance are:

  • What age were you when you were diagnosed with Huntington’s Disease
  • How severe are your symptoms (e.g. Memory loss, Depression, Loss of coordination etc.)
  • Medication or Treatment used (e.g. antidepressants)
  • Do you have any other medical or health problems

There are also certain circumstances where it may be more difficult to get Huntington’s Disease life insurance such as if you have had multiple blood relatives who have had the condition or if you have had positive results of a genetic test.

Huntington’s Disease critical illness cover

There is a chance of being able to get Huntington’s Disease critical illness cover, especially where the applicant is under 50 years of age with minor symptoms. It is even possible to get Huntington’s Disease critical illness cover from the insurers standard rates with no exclusions potentially. As with life insurance underwriting, it may be possible to get Huntington’s Disease critical illness cover if there are other complications but it does depend on what results the individual has had from any genetic testing.

Generally for any application for Huntington’s Disease critical illness cover the insurance underwriters will want to see a copy of your medical history from your GP or specialist. If you have been tested genetically and your results showed that you are positive then you will almost always find that cover will be declined.

Huntington’s Disease income protection

It is also possible to get Huntington’s Disease income protection cover in almost the same way critical illness cover may be available. The only major difference in underwriting between the two products is whether or not the applicant has had much time off work in recent times because of their medical condition. Huntington’s Disease income protection can also be available from standard rates with no exclusions all the way up to a decline decision depending on the severity and history of the individual.

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If you need more help, advice or a quote for Huntington’s Disease life insurance, critical illness cover and income protection then you should contact one of our experts today.
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