Life Insurance for Huntington’s Disease

Depending on your age and the severity of your Huntington's Disease, you may be able to get life insurance coverage. With such a complicated disease, your best option is to speak to an advisor. That way, you can shop around for a provider that offers you the best deal.

If your family has a history of Huntington's Disease and you want life insurance, you might be able to get cover, depending on whether you have the HTT gene and what age you are. Generally speaking, the older you are, the harder it is to get cover. While you might not be eligible for traditional life insurance cover, you may have other options available, including income protection, mortgage protection and TPD insurance.

Make an enquiry for life insurance if you have Huntington's disease

How does Huntington's disease can affect your chances of getting insurance?

If you've been diagnosed with Huntington's disease, it can impact your ability to get certain types of insurance because you represent an increased risk to the insurance provider.

However, if you apply for cover you need to disclose all details about your condition. If you don't and need to make a claim in the future, your claim could be rejected as you failed your duty of disclosure. While cover may be more expensive, it's worth taking out appropriate insurance cover if you suffer from Huntington's disease, as this can offer increased peace of mind and more importantly financial protection for you and your loved ones for the future.

What are the different types insurance that cover disability?

Income protection for Huntington's

Huntington's disease is a debilitating illness which can make holding full-time or part-time employment difficult. When you're already unwell, worrying about your finances can add insult to injury. With income protection insurance you can ensure you're able to continue receiving an income stream while you're unable to work. This means you can focus your attention on your health instead. Income protection can provide you with ongoing payments of generally up to 75% of you normal monthly salary, providing you with money for essentials such as bills, food, mortgage or rent.

Mortgage protection insurance

If you're no longer earning a steady income, mortgage protection insurance covers your mortgage repayments.

Why consider life insurance?

Huntington's disease has a variety of symptoms, such as unsteadiness or reduced ability to reason, which can place you at an increased risk of injury. Having a life insurance policy in place can provide your family with financial protection in the event of your death from Huntington's or provide you with a lump sum benefit in the event that you're no longer able to work (provided you have total permanent disability (TPD) cover as part of your policy).

TPD insurance

Available as part of you term life policy or as standalone cover, TPD can provide you with a lump sum benefit if you're deemed unable to work because of your ailment.

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Updated January 29th, 2020

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Name	Product	Maximum Cover	Maximum Entry Age	Minimum Sum Insured	Expiry Age
AAMI Life Insurance		$1,000,000	60	$100,000	99	Get life cover up to $1 million.	Get Quote View details	Compare	loading Fetching your data...
Real Family Life Cover		$1,000,000	64	$100,000	No expiry age as long as premiums are paid	Get a refund of 10% of the premiums you've paid (in the first 12 months) with The Real Reward™ .	Get Quote View details	Compare	loading Fetching your data...
Zurich Ezicover Life Insurance		$1,500,000	69	$50,000	99	Get your first month free.	Get Quote View details	Compare	loading Fetching your data...
Virgin Money Tailored Life Insurance		$1,500,000	65	$84,746	80	Choice of cover options and flexible premiums to suit your budget. No lock-in contracts and fast application.	Get Quote View details	Compare	loading Fetching your data...
NobleOak Life Insurance 2019 Winner		$15,000,000	69	$50,000	99	Get your first month free. T&C’s apply. Offer ends 27 February 2020.	Get Quote View details	Compare	loading Fetching your data...
ahm Life Insurance		$1,500,000	65	$100,000	No expiry age as long as premiums are paid	Get life cover up to $1.5 million. Plus, ahm health members can save 10% off premiums.	Get Quote View details	Compare	loading Fetching your data...
Medibank Life Insurance		$1,500,000	65	$100,000	No expiry age as long as premiums are paid	10% discount for Medibank health members.	Get Quote View details	Compare	loading Fetching your data...

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Type of Protection Life Insurance Income Protection

Current Income This is your current income. Everyone‘s situation is different so you might also want to discuss with an insurance consultant. Calculator $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000 $150,000 $160,000 $170,000 $180,000 $190,000 $200,000 $200,000 +

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Level of Protection Coverage is the amount of money that you will be paid in the event of a claim. An insurance consultant can help you determine an appropriate amount. Calculator Unsure None $100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,500,000 +

TPD Cover Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work. Unsure $100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000

Trauma Cover Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose. Unsure $100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000

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