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Huntington’s disease and life insurance coverage
Look to guaranteed issue among alternatives for peace of mind.
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.
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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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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