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UK legal, insurance, employment, benefits, statutory services Advice offered by HDA Moderators relates to current UK law or guidelines

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Old 04-08-15, 11:08 AM   #1
ABC
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Default Life insurance advice

Hello, I am about to try and get life insurance. My Dad had HD so I am at risk but have no intention of getting tested anytime soon.

Can anyone advise me where to apply for life insurance? Are there any better insurers to try? Will anyone pay out if I develop HD???

Any advise would be appreciated!!
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Old 05-08-15, 11:45 AM   #2
alijh
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Default Re: Life insurance advice

Quote:
Originally Posted by ABC View Post
Hello, I am about to try and get life insurance. My Dad had HD so I am at risk but have no intention of getting tested anytime soon.

Can anyone advise me where to apply for life insurance? Are there any better insurers to try? Will anyone pay out if I develop HD???

Any advise would be appreciated!!
Have a look at this information from the Genetic Alliance. They produce a handy guide to life insurance which will answer a lot of your questions.

http://www.geneticalliance.org.uk/insurance.htm

Alison
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Old 05-08-15, 06:07 PM   #3
Jenny66
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Default Re: Life insurance advice

We are also in the process of trying to organise this and I am finding it all very confusing, never really thought about life insurance before so don't know what to expect to pay and what return we'll need. Hubby is recently diagnosed.
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Old 08-08-15, 06:48 PM   #4
ABC
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Default Re: Life insurance advice

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Originally Posted by Jenny66 View Post
We are also in the process of trying to organise this and I am finding it all very confusing, never really thought about life insurance before so don't know what to expect to pay and what return we'll need. Hubby is recently diagnosed.
Yes I'm finding it v confusing too. I understand that I have to be honest when applying but I can't seem to find out if anyone will actually pay out if I do develop HD (which is obviously a major concern).

Is there anyone out there that can tell me who their insurance is with so I have a starting point?! X
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Old 20-08-15, 04:27 PM   #5
Joseharry
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Default Re: Life insurance advice

Hi,
Does anyone have any news re life insurance.
Our daughter and her boyfriend recieved thier formal mortgage offer yesterday so now need life cover.
Daughter untested therefore at risk...dad has HD.
Kind of urgent now!
Thanks,
Brenda
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Old 20-08-15, 05:03 PM   #6
Jenny66
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Default Re: Life insurance advice

Quote:
Originally Posted by Joseharry View Post
Hi,
Does anyone have any news re life insurance.
Our daughter and her boyfriend recieved thier formal mortgage offer yesterday so now need life cover.
Daughter untested therefore at risk...dad has HD.
Kind of urgent now!
Thanks,
Brenda
Hi
We have no insurance and so need to find a good company but it's all so confusing! I'm thinking when I'm back From holiday I will go to the company who does my home insurance and see if they do it, if you find anywhere would you let me knowI see you live near me, have you been to the support group as I've been too busy to go?
Thanks
Jenny
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Old 20-08-15, 05:49 PM   #7
Allan
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Default Re: Life insurance advice

.
Hi everyone

As mentioned above, the Genetic Alliance have some jargon-free easy read info: www.geneticalliance.org.uk/docs/genetics-and-insurance.pdf

This leaflet might be out-of-date www.geneticalliance.org.uk/docs/a-life-risk.pdf. It does, however, mention HD.

It also covers Income Protection Insurance up to £30,000. Even above these amounts, insurers have agreed not to use adverse predictive genetic test results unless the test has been specifically approved by an independent organisation. Only around 3% of all policies sold are above these limits. Currently the only predictive genetic test approved for use is for Huntington's Disease and only in relation to policies worth more than £500,000.

The Moratorium and Concordat only covers predictive genetic test results and does not cover diagnostic tests which should be disclosed. Any genetic tests taken after the policy has started do not have to be disclosed.


Association of British Insurers

To set the level of cover and cost of your premiums, an insurer may ask for the results of a diagnostic genetic test as part of their examination of your medical history. Insurers cannot ask you to take a genetic test. Insurers can only ask for the results of a test if you have already taken one, and they can only ask for the results of a predictive genetic test for Huntington's disease where the life insurance cover is worth more than £500,000.

You can voluntarily disclose (tell your insurer) the results of a predictive test that might counteract a higher premium based on your family medical history.


Concordat and Moratorium on Genetics and Insurance 2014 -19

So, there you are - clear as mud. I think the best thing to do is phone the excellent HDA staff at HQ and take their sdvice.

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Old 20-08-15, 07:55 PM   #8
Jenny66
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Default Re: Life insurance advice

Thanks Allan,
I've read these guidelines a few times and as you say clear as mud! Think I'm gonna go into a broker as I have disabilities which I'm sure will make my premiums higher but I know I need to do it soon while we are still at the predicted stage and no measurable symptoms as yet. Everything is just so time consuming and difficult especially as I work full time and hubby is not good at doing these things. Oh well off to the sun in 10 days to recharge those batteries for the next issue!
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Old 20-08-15, 09:07 PM   #9
Melody
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Default Re: Life insurance advice

Don't know if this helps, but my daughter applied for Life Assurance a few years ago, she is now 27... With her Dad diagnosed HD, untested herself.... She can't remember the level she applied for, but they wanted in excess of £150 pm......This was before me as her Mum suffered a Heart Attack at 53, so as she said, she won't bother again. Best of luck to you. x
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Old 21-08-15, 08:29 AM   #10
Joseharry
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Default Re: Life insurance advice

Hi,
Thanks for all your advice. I too have read all the official stuff and my understanding is that the insurance companies cannot force you to test, reveal a test result, or refuse you cover ( under 500k) but can charge whatever they like!
Would love to just have the name of an insurance company that does not ask the big HD question or the name of a broker that can find a reasonable rate.

Jenny, I noticed that you are local to me. I have never been to any of the branch meetings but do now get the newsletters.
Fiona, our SHDA is wonderful ....she has really helped us, through her we are now recieving top rate PIP , carers allowance, have a blue badge, freedom pass etc etc....we would not have had a clue without her!
If ever you fancy a chat, please feel free to message me. I am on FB too.
Hope you all have a lovely weekend,
Brenda
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