Turner Syndrome & Life Insurance

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Turner Syndrome Life InsuranceWe understand that most women with Turner Syndrome will lead normal, healthy lives. And yet, for many, getting life insurance can be made more difficult by the condition.

For all of our customers with Turner Syndrome, we endeavour to get the best, more relevant life insurance policy offering financial peace of mind. And just as importantly, we take the hassle out of it for you.

To find the most appropriate policy for you, we’ll need to know a number of things, including:

  • Does your condition affect your heart?
  • Does Turner Syndrome affect your kidneys?
  • How’s your general day to day health?
  • What sort of medication or treatment do you receive?

If your day to day health is generally unaffected by Turner Syndrome, then you’re likelier to be accepted for a standard terms life insurance policy. Some applications may require a report from your GP (at the expense of the insurer – not you!).

If your condition does impact your day to day health, there’s also a chance your application could be referred to the Chief Medical Officer for assessment. But we can guide you through the process. You may have to take non-standard terms (higher pricing).

For those severely impacted day to day by Turner Syndrome, insurers on the standard market may decline your application.

As with life insurance applications, critical illness cover applications will also ask for information about your day to day health and the impact that Turner Syndrome has on your day to day health. Where symptoms are mild, critical illness cover may be available at normal terms.

It’s really quite common for an insurer to request a GP report to get a full picture of your overall health. And, much like with life insurance applications, a Chief Medical Officer review might be necessary. If your symptoms cause any issues for your heart of kidney, it is possible that the insurer will offer you critical illness cover at special terms (a price increase), or decline the application on the standard market.

We aim to take as much of the hassle out of the application process as possible for you, leaving you to get on with living your life!

As with other types of policy, income protection applications are likely to also require a GP report. The thing that will be of particular interest here, in addition to your day to day health and medication, is the impact that Turner Syndrome has on your ability to go to work. So the insurer will want to know how much, if any, time you’ve taken off work as the result of the condition.

If your ability to go to work is unaffected by Turner Syndrome, then you may be able to get an Income Protection Policy on standard terms. In cases where your condition does impact your health or day to day living, a Chief Medical Officer may review your application. And following a full review of all the reports and assessments, an insurer will either accept your application at normal terms, non standard terms or may decline your application.

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If you do find that the terms for Income Protection simply don’t suit you, then Accident, Sickness and Unemployment Cover might be more suitable for you. This sort of policy will provide you with a monthly income replacement of 12 to 24 months if you find yourself unable to work due to long term injury, disability or voluntary redundancy.

Unlike Income Protection Cover applications, there’s no medical underwriting required. In other words, the fact that you have Turner Syndrome won’t have any bearing on the terms you are offered. That does make the application process simpler, but you should also be aware than that you won’t be able to make a claim relating to pre-existing medical conditions on the policy.

If you’re planning a holiday or a getaway any time soon, then speak to a specialist travel insurance broker who can help you to get the right cover based on your condition. Find out more by visiting our travel page here.

Hi, and welcome to episode T of the CuraVision ABC series,and today I’m going to chat to you about Tina.

Tina came to us, a 34-year-old female, non-smoker, BMI in the perfect range, and she’d recently set up a mortgage, capital and repayment mortgage of roughly £160,000 over 32 years and she wanted to put some protection in place. Speaking to Tina, we established she didn’t have children, she didn’t have a partner, so life insurance wasn’t something that she needed, but critical illness cover insurance was something that would be quite useful for her.

And Tina had come to us because she had Turner syndrome, now, we chatted through Tina’s circumstances, she had classic Turner syndrome, not the mosaic Turner syndrome, she was having yearly checks with her GP, she was working, her heart had been checked, it was fine, all the kidney function and everything was fine, so there was no massive concern in regards to how her health was at this present time. She was taking hormone replacement therapy, which is quite standard in these circumstances.

So for Tina, we applied for critical illness insurance of £160,000 over 32 years, and I’m pleased to say that we were able to get that for her at standard terms. And because of that, the price difference for including the life insurance was negligible, so we chatted about it with Tina and she felt that it was something that she would want to include, just in case for the future, and overall, it came to a de 

What is Turner Syndrome

Turner Syndrome is a genetic disorder that only affects females. Those affected have just one normal X sex chromosome as opposed to the two they should have. It affects around 1 in every 2000 baby girls born in the UK.

In almost all cases, those with Turner Syndrome are shorter than average and are affected by infertility. Other symptoms vary, but the majority of those with the condition live perfectly normal and healthy lives.

Also: Classic Turner syndrome, mosaic Turner syndrome

Linked with: Heart murmur, kidney conditionshigh blood pressure (hypertension), hypothyroidism, osteoporosis, scoliosisdiabeteshigh BMI, lymphoedema, Crohn’s diseaseulcerative colitisdepressioncoeliac disease

Common problems experienced by women with Turner Syndrome:

  • Increased risk of kidney infections and urinary tract infections (UTIs)
  • Infertility and coming to terms with that
  • Shortness in height

Some women experience no other problems or symptoms. But for those who do, these symptoms often include:

  • Attention and hyperactivity issues
  • Cataracts
  • Crowding of the teeth
  • Dyscalculia
  • Glue ear or hearing loss
  • Large number of moles
  • Short sightedness
  • Short sightedness
  • Social interactions
  • Spatial awareness difficulties
  • Cognitive Behaviour Therapy (CBT)
  • DEXA scan
  • Hormone Replacement Therapy (HRT)
  • NutropinAq
  • Oestrogen and progesterone replacement therapy
  • Somatropin (epr) (Norditropin Simplexx)
  • Somatropin (rbe) (Genotropin, Humatrope, Zomacton)
  • Somatropin (rmc) (Saizen)
  • Ultrasound

Common Questions

Yes, those with Turner Syndrome can generally get life insurance. Most women with Turner Syndrome lead perfectly healthy lives. And in these instances, many are able to get life insurance on standard terms without a problem. In other instances, non standard terms may apply. Even if you’ve been declined life insurance the past, you could potentially get a policy with a more specialist provider.

We are so sorry to hear that you’ve been declined life insurance before. It always seems incredibly unfair to be refused insurance like this, particularly if you’re living a healthy life. However, we may still be able to help you. It all depends on the specifics of your condition, symptoms and the basis on which you were previously declined. We can help you to apply through specialist providers who have experience on insuring people with Turner Syndrome and we’ll endeavour to get you the right cover.

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Review by Hannifa on 22nd September 2018

Have had several problems in the past with my insurance policies, but now thanks to your colleague James Barton - hopefully all is sorted. Thanks for your help James and well done - 5 

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Turner Syndrome Life Insurance

Dr Kathryn Knowles Phd

Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

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