Life Insurance for people with a family history of Huntington's disease may be available at standard terms depending upon a number of factors. If you are under 50 and have had a test to confirm that you have a negative genotype for Huntington's disease then you may be eligible for Life Insurance at standard terms or possibly a small loading.
If you are over 50 years of age you may be eligible for Life Insurance at standard terms or a small loading, regardless of family history of Huntington's disease, if you have had a negative genotype test result. If you have not had a genetic test for Huntington's disease then you may still be able to secure Life Insurance at special terms.
If you are under 30 and have not had any form of genetic testing for Huntington's disease but have a family history of the condition, then you will need to approach a specialist provider for Life Insurance and any terms that you may be offered will likely include a premium loading. Premium loadings for Life Insurance will start to reduce once you are 30 and will reduce furthermore as you get older.
If you have had a positive genetic test for Huntington's disease then you may be able to secure Life Insurance with a specialist provider. Please be aware that there will be a restriction on the length of policy term that you will be offered.
Unfortunately if you are under 50 years of age and have had multiple family members with Huntington's disease then you will not likely be eligible for Life Insurance.
Critical Illness Cover for people under 50 years of age with a family history of Huntington's disease may be available at standard terms or with a small loading, if a genetic test has shown that the disease is not present. If you are over 50 years of age you may be able to secure Critical Illness Cover at standard terms regardless of how many family members have had the condition, if you are a negative carrier of Huntington's disease. Where a genetic test has not been performed to establish if the condition is active, the insurer may offer Critical Illness Cover at non-standard terms.
Unfortunately Critical Illness Cover is not available to those who have had a positive genetic test for Huntington's disease. Additionally if you are under 50 years of age and have had multiple family members with Huntington's disease then you will probably be ineligible for Critical Illness Cover.
Income Protection for people with a family history of Huntington's disease may be available at standard terms if a genetic test has shown a negative genotype for the condition. If you are over 50 with multiple family members diagnosed with Huntington's disease and have had a negative genotype diagnosis, then Income Protection may be available at standard terms. If you have not had a genetic test for the condition then it is possible that the insurer place a small loading on the policy.
Unfortunately Income Protection is not available to those who have had a positive genetic test for Huntington's disease. Similarly, if you are under 50 years of age and have had multiple family members with Huntington's disease then you will not generally be eligible for Income Protection Insurance.
Some potential problems experienced by individuals who have Huntington's disease include:
Lack of concentration
Medication side effects
Medications and Treatments
Speech and language therapy
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Huntington's disease is a progressive illness, that over time causes degradation to brain cells in the basal ganglia and cerebral cortex. The hereditary condition tends to onset between the ages of age 30-50 with symptoms worsening over a 10 to 20 year period, until it causes death. Huntington's disease is diagnosed with genetic testing and is available to at risk adults (familial history or the condition) and can be performed during prenatal screening as well.
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