When you apply for Life Insurance, marfan syndrome will need to be fully detailed to the insurer and will probably result in them wanting to see a report from your GP in regards to your diagnosis and overall health. If you have regular check-ups with your specialist medical team, you are in good health and there is no cardiovascular involvement then you may be able to secure Life Insurance at special terms (premium loading). Where your overall health is fair and/or there is cardiovascular involvement you will need to place your Life Insurance application with a specialist insurer who may consider cover for you, but you should be prepared that in such cases your policy may be declined.
When you have marfan syndrome Critical Illness Cover is unlikely to be available with most standard insurance providers. Specialist insurance providers may consider providing a Critical Illness policy but this will be highly dependent upon your individual circumstances: the amount of cardiovascular involvement, eye problems, spinal implications, chest structure and impact on the lungs. It is important that you are realistic when applying for Critical Illness Insurance if you have marfan syndrome and are prepared that you are not likely to be able to secure this cover.
Income Protection for those with marfan syndrome is currently not available with standard insurance providers, due to the amount of symptoms that could present and cause significant time periods from work.
As an alternative you should consider Accident, Sickness and/or Unemployment Cover (ASU) that will provide 12-24 months of income replacement in the event that you are unable to work due to disability, injury or redundancy. An ASU policy does not take into account medical history when accepting a clients application, meaning that marfan syndrome will have no impact on setting up your policy. You need to be fully aware that whilst this is the case, any claim that you make will exclude any inability to work as a result of marfan syndrome. This means that whilst the acceptance terms of the policy and not medically underwritten, the claims process is.
Some potential problems experienced by individuals who have marfan syndrome include:
Avoiding contact sports
Considered planning of career choice
Lifelong medical check ups
Medications and Treatments
Eye laser treatment
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Marfan syndrome is a connective tissue disorder that can be manifested in a number of different ways but is often a combination of heart defects, eye problems, being tall and slim with elongated limbs, fingers and toes. The condition is typically genetically inherited and caused by a defective gene that affects the normal production of fibrillin causing the body to become more physically flexible and bones to grow longer than usual. Marfan syndrome cannot be cured but the impact of the symptoms on the individual can be minimised if properly managed.
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