Getting life insurance with Huntington's disease

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

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.

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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.

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 companies

Name	Issue age	Minimum Coverage	Maximum Coverage	Term Lengths	Medical Exam Required
Bestow	18 - 60 years old	$50,000	$1,500,000	10, 15, 20, 25, 30 years	No	Get a quote in less than 10 minutes with on-the-spot approval and no medical exam.	Go to site More Info	Compare	loading Fetching your data...
Haven Life	18 - 64 years old	$100,000	$3,000,000	10, 15, 20, or 30 years	No exams for some applicants	Fill out a quick online application and get approval in minutes with up to $3 million in coverage.	Go to site More Info	Compare	loading Fetching your data...
Sproutt	18 - 100 years old	$50,000	$10,000,000	5, 10, 15, 20, 25 and 30 years	No	Compare 40+ insurers and apply online to get the lowest possible price — no medical exam required.	Go to site More Info	Compare	loading Fetching your data...
Ladder	20 - 60 years old	$100,000	$8,000,000	10, 15, 20, 25 or 30 years	Depends on policy	Apply for term life insurance online without the medical exam. Get an instant decision and adjust your coverage at no charge.	Go to site More Info	Compare	loading Fetching your data...
Policygenius - Life Insurance	18 - 85 years old	$50,000	$10,000,000	10, 15, 20, 25, 30 years	Depends on provider and policy	Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.	Go to site More Info	Compare	loading Fetching your data...
Nationwide life insurance	40 - 95 years old	$10,000	$1,000,000	10, 15, 20 and 30 years	Yes	Get term, whole, universal or no-exam life insurance with up to $1 million in coverage.	Go to site More Info	Compare	loading Fetching your data...
Fabric	21 - 60 years old	$100,000	$5,000,000	10, 15, or 20 years	Depends on policy	No-exam term policies up to $1 million online, with the option to upgrade to permanent life insurance later.	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

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.
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.

Thank you for your feedback!

Dawn Daniels

Dawn Daniels is a publisher with Finder, based out of Oregon. Her background includes editing more than 40 published books, including Financial Fitness: 21 Easy Exercises to Get Your Personal Finances in Shape Fast by Dr. Vi Scott. In her spare time, Dawn enjoys hiking ridiculous distances and collapsing in exhaustion.

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How to get life insurance with Huntington’s disease

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