How To Get Life Insurance with Huntington’s Disease

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding Huntington’s Disease and Life Insurance

  • What is Huntington’s Disease? Huntington’s disease (HD) is a progressive genetic disorder that causes the degeneration of nerve cells in the brain. This leads to a broad range of symptoms, including involuntary movements, emotional disturbances, and cognitive decline. Typically, symptoms begin to manifest in middle age, though they can appear earlier or later. The disease is caused by a mutation in the HTT gene, which is inherited in an autosomal dominant pattern, meaning each child of an affected parent has a 50% chance of inheriting the condition.
  • Challenges in Obtaining Life Insurance When assessing an application for life insurance, an underwriter would consider the presence of Huntington’s disease as a significant risk factor. They would look for a family history of the disease, genetic testing results, the applicant’s age, and any early signs or symptoms of the condition. The severity and progression of the disease in family members, as well as the applicant’s current health status and medical history, would also be critical factors in determining insurability and premium rates. Given these considerations, securing life insurance can be challenging for individuals diagnosed with Huntington’s disease.

Options for Life Insurance with Huntington’s Disease

  • Guaranteed Issue Life Insurance: This type of policy does not require a medical exam or health questions. It offers coverage with higher premiums and lower death benefits. It is an option for those with serious health conditions, including HD. However, a waiting period is usually before the full benefits are payable.
  • Group Life Insurance: If you are employed, check if your employer offers group life insurance. These policies often provide coverage without requiring a medical exam, making it accessible for individuals with Huntington’s disease.
  • Simplified Issue Life Insurance: Simplified issue policies require answering a few health-related questions but no medical exam. While not as comprehensive as guaranteed issue policies, they can offer better rates and coverage for those who qualify.
  • Final Expense Insurance: Final expense insurance is designed to cover end-of-life expenses, such as funeral costs. These policies typically have smaller coverage amounts but are easier to qualify for and can provide some financial relief to families.

Tips for Applying for Life Insurance with Huntington’s Disease

  1. Seek Professional Help Working with an experienced insurance agent or broker can help you navigate the complexities of finding suitable coverage. They can identify insurers more likely to offer policies to individuals with HD.
  2. Be Honest About Your Condition Always provide accurate information about your health. Misrepresenting your condition can lead to policy denial or cancellation.
  3. Explore All Options Consider all types of policies, including guaranteed issue, simplified issue, and group life insurance. Compare premiums, benefits, and waiting periods to find the best fit for your needs.
  4. Prepare for Higher Premiums Understand that premiums will be higher due to the increased risk associated with Huntington’s disease. Budget accordingly to ensure you can maintain the policy.
Huntingtons Disease Life Insurance

How We Can Help

Securing life insurance with Huntington’s disease is a daunting task. The core problem is finding coverage that meets your needs without becoming financially overwhelming. The symptoms of this problem include rejection from traditional insurance providers, higher premiums, and limited benefit options. These challenges can cause stress and uncertainty, making it feel like securing your family’s future is an impossible feat.

At The Annuity Expert, we understand your struggle. With 15 years of experience as an insurance agency, annuity broker, and retirement planner, we are dedicated to finding the best solutions at the lowest costs. We believe in providing personalized, thoughtful service to help you navigate this complex landscape.

Huntington Life Insurance

What We Recommend

  • Step 1: Initial Consultation Contact us for a free consultation. We will discuss your unique situation, including your health, financial goals, and family needs. The main benefit is gaining a clear understanding of your options and setting realistic expectations.
  • Step 2: Tailored Policy Search We will search for suitable life insurance policies that meet your criteria. This involves reaching out to multiple insurers, comparing policies, and negotiating terms on your behalf. The main benefit is accessing a range of options you might not find on your own.
  • Step 3: Policy Implementation and Support Once a suitable policy is found, we will guide you through the application process, ensuring all paperwork is correctly completed and submitted. The main benefit is securing the coverage you need with minimal stress and hassle.

Features and Benefits

  • Expert Guidance: Our experience means we know which insurers are more likely to provide coverage for individuals with Huntington’s disease.
  • Personalized Service: We tailor our search to your specific needs, ensuring the best possible match.
  • Comprehensive Support: From consultation to policy implementation, we are with you every step of the way.

Common Objections and Responses

  • Higher Premiums: Yes, premiums are higher, but we work to find the most affordable options available.
  • Limited Benefits: While benefits may be lower, having some coverage is better than none, providing peace of mind.

Without our expertise, you may struggle to find suitable coverage or face exorbitant premiums. Working with us ensures you get the best possible terms, saving time and reducing stress.

By choosing The Annuity Expert, you will secure life insurance coverage that fits your needs, providing financial security for your loved ones. Knowing you have taken steps to protect their future will give you peace of mind.

Contact us today for free advice or a quote and take the first step towards securing your financial future.

Get Life Insurance Assistance For Huntington’s Disease

Get help applying from a licensed financial professional. This service is free of charge.

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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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