Asked by Tom, Aged 26.

I'm considering being tested for HD but need to sort out my life insurance first. Is there any insurance companies that you recomend. I have been struggling to find one that will insure me because my father past away from HD. Any help would be much appreciated.

Hi Tom

To try to obtain life insurance, disability insurance or income protection insurance when at 50% risk it is best to go through an insurance broker who can try to secure the best policy, rather than contacting separate insurance companies one after another. The broker we recommend is called Special Risk Managers - telephone 1300 665 356.

Cheers Fiona

Further to Fiona's response Tom, if you have a read of the 18+ section under Insurance there is some  info regarding Insurance companies and how we think you should respond regarding testing questions.  Also, if asked whether you are planning to be tested for HD, it is best not to answer 'yes' to this question as then the broker/company will want to postpone offering a policy until you are tested and know the result. However the reason for obtaining insurance PRIOR to being tested is that you will not be able to get this type of insurance if you test positive. It is best to answer 'not sure' or 'not at this time' or something similar.  IT IS AN UNFAIR QUESTION ANYWAY as people at risk chop and change their minds on this, so an answer one day is not necessarily valid for the next day. (The Our HD Space team)