Can I get life insurance if I have Huntington's disease in my family?

Huntington's is a genetic disease, and therefore, sadly, there may often be multiple cases in one family. So is life insurance available if you have a family history of Huntington's?

Yes, there are life insurance policies available but it is best to speak to specialist insurers who understand the condition and can offer the cover you are looking for from your life insurance. This is where we can help alongside our expert partners.

Our service provides a quick and simple way for you to speak to the right people about your life insurance requirements. Our partners know all about finding policies for those in situations just like yours. They work with many different insurers and know which policies are more likely to offer you the cover you want. We can put you in touch with our partners and get your search for Huntington's Life Insurance underway today.

Simply click the green button above and with just a few details we can get you started.

How might a family history of Huntington's affect my life insurance premiums?

This will depend on several points including whether you have any symptoms, the extent of Huntington's in your family and also on the results of a genetic test if you have had one done. Testing is a very personal choice and insurers cannot insist on it being carried out. If you have been tested, a negative test is likely to mean that you can take out standard life insurance.

As with any medical condition there are a number of factors which can affect your premiums which may include:

• Your smoking status
• Your general health
• Your age
• Your occupation

Comparing life insurance policies which cover hereditary conditions such as Huntington's is crucial - your circumstances could mean you face a higher premium and you need to make sure you are getting the value from your policy that you need. By speaking to our insurance expert partner, they can explain which policies are available to you and help you to make the best decision for you in terms of cover and price.

Honesty is extremely important. You should always declare any medical condition if asked on a life insurance search and fill out documents accurately and to the best of your knowledge. If you don't you may find your policy is void and therefore you are not covered.

What questions might a life insurance company ask about our family history of Huntington's?

With genetic diseases such as Huntington's, a family medical history can vary enormously. Being able to provide the information to an insurer can help them get you the most suitable cover Alongside the standard questions that every applicant will need to answer, you may be asked for the following answers:

• Have you been diagnosed with Huntington's?
• When were you diagnosed?
• Is it in the family? And, if so, how many family members are affected?
• What are your symptoms?
• Are you able to work
• Do you need mobility aids?
• What medications are you taking?
• Do you have any additional complications as a result of your Huntington's?

Why life insurance can help when you have Huntington's in the family?

An unexpected illness could affect anyone but when you have life insurance in place it does mean, that if or when the worst happens, you have made sure your loved ones are taken care of in the best way you can.

Life insurance can be used to cover

• The remainder of your mortgage

• The rent and household bills

• Extra childcare costs

• The cost of your funeral

Our expert partners can help you along every step of the process to find life insurance for those with a family history of Huntington's and to answer any questions you may have.

It takes just a few minutes for us to help you find a great value Huntington's Life Insurance quotation

Any life insurance quotes come with no obligation and no fees.

Simply fill out our quick online form to get great service by clicking on the link below and our partners will get your search for Huntington's life insurance started today.

Our team will be delighted to arrange a callback to listen to what you are looking for in terms of life cover including critical illness plans. Click here to get your search started.

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We can also help you with your travel insurance when you have have an existing medical diagnosis. Compare travel insurance to cover those who have a pre-existing medical condition.

LifeSearch. our partner with expertise in Huntington's life cover, are one of the UK's biggest life assurance brokers. They can provide cover from a range of insurance companies including AIG, Aviva, British Friendly, Legal & General, LV=, Royal London, The Exeter, Vitality, Scottish Widows, National Friendly, Shepherds Friendly, Cirencester, Holloway, Guardian and Zurich. Like MoneyMaxim, they are regulated and authorised by the FCA, and will work hard to get you the right cover at the most competitive premium possible all offered fee free and with no obligation.

This content was last reviewed on 19/09/2024