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Insurance and Huntington's disease

We have developed four short videos in partnership with Specialist Insurance Adviser, Kathryn Knowles, to provide a brief summary of the key issues around insurance, genetic testing and Huntington’s disease.

 

The videos are designed to provide information only, and SHA is not recommending the use of any specific specialist insurance advisor over any other.

 

For more information about any of the following topics, please contact the Financial Wellbeing Team in the first instance. While we are not financial advisors, and are unable to recommend any specific product, we can provide general information and guidance.

Finding the right insurance 

 

Specialist insurance advisor Kathryn Knowles introduces a short series of videos made for Scottish Huntington’s Association to address some of the common concerns among HD families when looking for the right cover. 

Life insurance 

 

What should I do about life insurance? Specialist insurance advisor Kathryn Knowles explores what you need to know to make an informed decision when choosing a policy.  

Critical Illness cover 

 

Will a policy pay out if I am diagnosed with Huntington’s disease? Specialist insurance advisor Kathryn Knowles explains the options and how insurers consider HD. 

Genetic testing 

 

What do I need to tell the insurance company? Specialist insurance advisor Kathryn Knowles looks at what information you need to disclose when applying for cover. 

Ultimately, we may recommend that you do seek further advice from a specialist insurance advisor or an Independent Financial Advisor, and these can be searched for on the websites below. Currently, we are aware of only two specialist insurance advice firms with specific knowledge about Huntington’s disease, and these are detailed along with two other firms.

Money Advice Service                                                                                                           

Provides free and impartial information on a range of money topics including Insurance and Protection products.

British Insurance Broker’s Association

Insurance intermediary organisation representing interests of insurance brokers, intermediaries and their customers. You can find a local insurance broker by using their Find a Broker service

Unbiased

Search directory for Independent Financial Advisors. All the advisors listed with them are independent, and meet appropriate regulatory and qualification standards

Cura Special Risks Bureau

Insurance broker with experience of Huntington’s disease, specialising in Life Insurance, Critical Illness Cover and Income Protection. They have a specific page about HD on their website

Future Proof Insurance

Insurance broker with experience of Huntington’s disease, specialising in Life Insurance, Critical Illness Cover and Income Protection.

The Insurance Surgery

Insurance broker specialising in Life Insurance, Critical Illness Cover and Income Protection for those with medical conditions including neurological diseases.

AIG Life

An insurance provider with products including over-50s cover. Over-50s cover can be a way of leaving money to loved ones when you die, and most providers provide guaranteed acceptance if you are aged between 50 and 80 years old, regardless of any health concerns. Depending on your circumstances, premiums may be higher and payouts lower than other types of policies, therefore we always recommend seeking further information or advice prior to applying for a policy.