HUNTINGTON’S DISEASE AND LIFE INSURANCE
Huntington’s disease causes the brain cells to gradually deteriorate or break down until the person dies. It is a fatal and genetic condition that weakens one’s mental and physical abilities, usually starting at their 30s or 40s.
A history of the Huntington’s in your family puts you at the highest risk of developing the disorder at a later stage of life too. This is why it is necessary to consult an insurance expert to arrange your Income Protection insurance cover should you develop the disease too and you have to stay out of work.
INCOME PROTECTION INSURANCE WITH A FAMILY HISTORY OF HUNTINGTON’S DISEASE
If you have a family history of Huntington’s disease but have not shown any symptoms, you can take the readily available genotype test to determine whether you carry the gene known to cause this condition. It is important to note that this test is voluntary and your insurer should not compel you to take one. However, the test results could highly influence your policy premiums, especially if found negative.
In other cases, the insurer will enquire about the extent of symptoms and for how long you have missed work due to the disease.
WILL I GET AN INCOME PROTECTION COVER?
An income protection cover for someone with a family history of Huntington’s disease can be available at standard terms after the insurer considers important factors regarding your medical history. However, most insurance providers will require applicants to pay increased premiums because they perceive the condition as high risk. Additionally, some providers might decline your application if you have stayed out of work for a long time due to the condition.
Ensure to talk to your insurer if you have taken a genotype test that came back negative because this can qualify your income protection insurance policy to have a zero increase in premiums.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00