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Life Insurance

Life Insurance for people with familial hypercholesterolaemia may be available at standard terms if the condition is well controlled. If there are a number or medications in use and/or your overall cholesterol reading is outside of certain parameters, the insurer may wish to see a report from your GP about your general health. Where familial hypercholesterolaemia is not controlled you may need to place your Life Insurance application with a specialist provider who may be able to consider cover. This may result in your application being accepted with a premium loading and in some cases the cover may be declined.

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Critical Illness Cover

Critical Illness Cover for people with familial hypercholesterolaemia will be assessed similarly to that of Life Insurance. The insurer will want to know how well controlled your condition is and your latest cholesterol readings will be required to underwrite the application. Where the condition is well controlled some insurers may be able to offer standard terms for Critical Illness Cover. If the condition is not well controlled or there are other contributory illnesses to note, the insurer may ask to see a report from your doctor about your health. Depending upon this report your policy may be accepted at standard or non-standard terms (premium increase); some applications may be declined where the condition is determined to be quite severe.

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Income Protection

Income Protection for those with familial hypercholesterolaemia will be reviewed on stricter underwriting guides than the other insurances mentioned. Insurers are more likely going to want to see a report from your GP to establish the overall state of your health. Provided that the condition is well controlled you may be able to secure Income Protection at standard terms if you approach the right insurer for your circumstances. Where the condition is not well controlled the insurer may choose to increase the policy premiums or in more severe cases declined.

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If you find that the terms for Income Protection do not meet your circumstances then you may wish to consider Accident, Sickness and Unemployment cover. This type of policy provides short term income protection of between 12 and 24 months in the event that you are unable to work due to disability, long term illness or involuntary redundancy. Accident, Sickness and Unemployment policies are not medically underwritten so your condition will have no bearing on the terms provided, however anything related to familial hypercholesterolaemia will be excluded from the policy claims set.

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Some potential problems experienced by individuals who have familial hypercholesterolaemia include:

  • Structured healthy eating plans
  • Family planning considerations

Medications and Treatments

  • Atorvastatin
  • Ezetimibe
  • High intensity statin
  • Rosuvastatin

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Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Familial hypercholesterolaemia is an inherited condition that is identified by the increased presence of low-density cholesterol within the body. Having familial hypercholesterolaemia can increase the chance of the diagnosed suffering a heart attack from young adulthood.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research