Huntington’s disease and life insurance coverage

Look to guaranteed issue among alternatives for peace of mind.

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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.

Compare life insurance providers

Name Product Issue Ages Minimum Coverage Maximum Coverage Medical Exam Required State Availability
25 - 60 years old
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.
18 - 85 years old
Depends on provider and policy
All 50 states
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
18 - 60 (or 55 for smokers)
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.
18 - 80 years old
Depends on provider and policy
All 50 states and D.C.
Get a quote within minutes from more than a dozen insurers.
JRC Life Insurance
20 - 80 years old
All 50 states
Quickly get a quote for coverage with this marketplace, which compares term & whole life insurance policies from 45+ carriers.
25 - 83 years old
Depends on policy
Get a term life quote from eCoverage - starting at as low as $15 per month.
Leap Life
18 - 75 years old
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.
Globe Life
18 - 64+ years old
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.

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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.

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