Can You Get Life Insurance on Someone with Huntington’s Disease?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding Life Insurance for Individuals with Huntington’s Disease

The Challenges

Available Options

  1. Substandard Life Insurance Market
    • Purpose: Serves individuals with high-risk health conditions.
    • Expectation: Higher premiums, possibly limited benefits.
  2. Guaranteed Issue Life Insurance
    • Features: No medical exam or health questions.
    • Limitations: Higher cost, lower coverage amounts, and potential waiting periods for full benefits.
  3. Group Life Insurance through Employers
    • Accessibility: Often easier to qualify for.
    • Note: Coverage might be limited and typically tied to employment.

Key Considerations

  • Premiums and Benefits: Balance between affordability and the coverage needed.
  • Underwriting Process: Varies significantly among insurers.

Comparing Life Insurance Options for Huntington’s Disease

Insurance TypeMedical Exam RequiredCoverage LimitationsPremium CostBest For
Substandard Market PoliciesYesVariesHigherThose seeking higher coverage
Guaranteed IssueNoYesHigherAvoiding medical exams
Group Life (Employer)NoYesLowerThose with employment benefits

Conclusion

Securing life insurance for someone with Huntington’s Disease involves navigating various options, each with its own trade-offs between cost, coverage, and underwriting requirements. Careful consideration of individual needs and circumstances is crucial to find the most suitable option.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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