Huntington’s disease and life insurance coverage

A Huntington’s diagnosis limits the types of life insurance you’re eligible for with a few key exceptions.

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Can I get life insurance if I have Huntington’s disease?

Yes, but most life insurance companies limit your options to guaranteed-issue life insurance.

Guaranteed-issue policies aren’t based on your medical history and require no underwriting. They often offer lower coverage caps — around $10,000 to $25,000, depending on the company — and have higher premium payments than you’d see for a medically underwritten policy.

An independent life insurance broker that works with a network of insurance companies may be able to help you narrow down an insurer offering the best coverage you’re eligible for.

Is life insurance covered by GINA?

No. The Genetic Information Nondiscrimination Act doesn’t apply to a handful of specific insurance types, including life insurance.

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What other types of insurance are available?

Beyond guaranteed issue, look for peace of mind offered by:

• Group life insurance. Life insurance offered through an employer, also called group life insurance, generally doesn’t require medical underwriting. But because it’s tied to your job, you likely won’t be able to keep your policy after you leave your employer.
• Mortgage protection insurance. If you’re making payments on a home, mortgage protection insurance can pay off the remainder of your mortgage after death so that your family can continue to live in the home without worrying about payments.
• AD&D insurance. While it doesn’t cover illness related to Huntington’s disease, accidental death and dismemberment insurance pays out a lump sum if you die or are seriously injured in an accident.

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Name	Product	Issue Ages	Minimum Coverage	Maximum Coverage	Medical Exam Required	State Availability
Fabric		25 - 60 years old	$100,000	$5,000,000	No	Available in all states except for Montana	Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.	Go to site More Info	Compare	loading Fetching your data...
Policygenius		18 - 85 years old	$10,000	$10,000,000+	Depends on provider and policy	All 50 states	Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.	Go to site More Info	Compare	loading Fetching your data...
Lifefy		18 - 60 (or 55 for smokers)	$50,000	$350,000	No	Lifefy is not available in the following states: Hawaii, Illinois, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, Oregon, Pennsylvania, Puerto Rico, Utah, Virginia, Washington	Offers quick, affordable Term and Guaranteed issue life insurance. Coverage up to $350,000. Only available in 38 states.	Go to site More Info	Compare	loading Fetching your data...
Quotacy		18 - 80 years old	$50,000	$25,000,000	Depends on provider and policy	All 50 states and D.C.	Get a quote within minutes from more than a dozen insurers.	Go to site More Info	Compare	loading Fetching your data...
JRC Life Insurance		20 - 80 years old	$25,000	$10,000,000	No	All 50 states	Quickly get a quote for coverage with this marketplace, which compares term & whole life insurance policies from 45+ carriers.	Go to site More Info	Compare	loading Fetching your data...
eCoverage		25 - 83 years old	$25,000	$1,000,000	Depends on policy		Get a term life quote from eCoverage - starting at as low as $15 per month.	Go to site	Compare	loading Fetching your data...
Leap Life		18 - 75 years old	$100,000	$5,000,000	Depends on provider and policy	Currently unavailable in New York	Apply for a simple instant-decision policy free of charge. Compare quotes from multiple A-rated carriers.	Go to site More Info	Compare	loading Fetching your data...
Globe Life		18 - 64+ years old	$5,000	$100,000	No – simple application	All states except New York	Simple application process with no medical exam and no waiting period. Pay $1 for the first month of coverage.	Go to site More Info	Compare	loading Fetching your data...

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Bottom line

A Huntington’s disease diagnosis can make it difficult to qualify for a medically underwritten life insurance policy. But other options may help your loved ones remain financially stable when you’re no longer able to provide for them. Compare life insurance policies to explore an insurer that can fit your needs.

Frequently asked questions

• Can I qualify for life insurance if one of my parents had Huntington's?

  It depends on your medical situation. If you’re tested for the Huntington’s inherited or new gene mutation and found negative, you’re likely eligible for coverage. If you haven’t yet undergone testing for Huntington’s, your ability to get coverage varies by insurer.

  For example, one underwriter working for a well-known life insurance provider said it’s possible to find insurance at a higher premium, while one at another insurer recommends not applying. You may need to apply with several insurers to find a policy that fits your needs.

  If you’re tested and found to have a Huntington’s genetic mutation, you likely won’t qualify for a medically underwritten policy. Look into guaranteed-issue life insurance as an alternative.

• Do I have to tell an insurer if I've had genetic testing?

  Yes. And it includes testing outside of doctors or genetic counselors, such as results from 23andMe or AncestryDNA genetic kits.

  If you don’t disclose genetic testing to your life insurance company, you run the risk of a claims denial when you or your family needs it most — even if you’ve faithfully paid your premiums.

• Can a life insurance company require me to undergo genetic testing?

  No, at least not currently. As testing becomes more common, insurance companies may require genetic testing in the future.

  If you’re applying for a medically underwritten life insurance policy, ask your insurer whether it tests for the inherited or new Huntington’s disease mutation before you submit to a medical exam — especially if you don’t want to know your status.

• Can I qualify for Social Security disability with Huntington's disease?

  Yes. The Social Security Administration’s includes Huntington’s disease is its list of compassionate allowances, which means you may be eligible for an expedited decision on your disability benefits if your disease progresses to the point where you’re no longer able to work.

  You can apply for disability benefits online, at your local SSA office or by calling 800-772-1213. TTY users can apply for benefits at 800-325-0778.