Angela
Aged 21
Hi Angela,
This is a good question. When you apply for a life insurance, disability or income protection insurance policy you have to answer all the questions honestly. This will include questions about your family history of Huntington’s disease (or another genetic condition) and whether you have had a genetic test. If you have already had the test and it showed you do have the genetic fault that causes HD, you have to declare this when you apply. For most insurance companies this will mean that you won’t be offered an insurance policy. For an exception to this see the section on ‘Insurance’ in the 18+ section of this website. If you apply before you have the test you still have to declare your family history but you won’t be automatically denied a policy when you are at 50% or less risk. However you may have to pay higher premiums (monthly payments) because of your risk. For a more detailed explanation please check out the ‘Insurance’ section (to the left when you click on 18+) on this website.
Fiona




