December 21, 2017

nerve ends

Can I get Income Protection Insurance with a family history of Huntington’s Disease?

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

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Case study

We were recently contacted by a 30 year old man, who is a non smoker, single with no dependants. He was hoping to arrange either some Income Protection Insurance. His main concern was the financial impact if he become unable to work as the result of illness or an accident. The cover would allow him to continue to pay his mortgage and other bills.

However, as our client had a family history of Huntington’s Disease (his father was aged 45 at diagnosis and his sister was in her mid twenties). He said he had been struggling to obtain any form of Income Protection cover.

The client had taken a genetic test which showed that he had the Huntington’s gene and was therefore more likely to develop the disease himself. However, The Association of British Insurers have banned insurance companies from asking for the result of a genetic test unless an actual diagnosis is made. As our client only has the gene and showed no symptoms of the actual disease he did not need to disclose this.

The Outcome

We spoke to many insurance companies and nearly all of them informed us that the client would not be able to obtain Income Protection Insurance due to his family history. However, one insurance company takes a different underwriting stance. Assuming an applicant has a clean bill of health themselves, they would be able to offer cover. Our client was delighted to hear this and was able to obtain income protection on standard rates (no exclusions and no increases on top of quoted premium).

The client was therefore able to obtain a short term income protection until retirement age, with a sum assured of £2,158 per month with a deferred (waiting) period of 4 weeks for a monthly premium of £32.37 per month.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

How to contact us:

Whilst you are welcome to get a quote on-line but we would recommend you talk to one of our advisers.

Your adviser will take into account your medical history. Any quote which they provide to you will take into account to your situation, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.

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Interested in related articles?

Can I get life cover if I have a family history of Huntington’s disease?

How a family history of Huntington’s disease can affect life insurance premiums.

Will my family’s history of Huntington’s disease affect my life, critical illness and income protection application?

Do you suffer with a medical condition and are concerned you can’t secure Income Protection, Life or Critical Illness Insurance?  

Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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