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Life insurance for people with Asperger’s Syndrome

People with Asperger’s are generally not at risk of shorter life expectancy than anyone else. So the question is ‘why is life insurance different for someone with Asperger’s syndrome?’. Put simply, it’s not always the case that life cover with Asperger’s is any different to the standard cover.

Asperger’s syndrome isn’t considered to be life-threatening or terminal in any way. Therefore the main focus is to make sure that you pay a fair price for life insurance. Most applications would be accepted with no medical underwriting and cover should be instant.

Getting covered at the right price and a fair price for life insurance is simply a case of making sure that you speak to the right company. Everyone’s situation is different and it’s important to be treated as an individual so you get the best cover and don’t pay any more than you have to.

We are proud to have a team of extremely passionate and dedicated experts who are committed to getting the best cover for our customers at a fair price! We’ve got over 20 years of experience and we were the first in the UK to focus specifically on people with medical conditions to get life insurance.

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"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

The term Asperger’s syndrome has traditionally been known as a mental health condition connected to difficulty with socialising or communicating. People who have been diagnosed with Asperger’s might be incredibly advanced in certain areas, such as language, but have difficulties with social skills.

In 2013, “The Diagnostic and Statistical Manual of Mental Health Disorders” (DSM-5) changed how Asperger’s syndrome is classified. This is the guide that most mental health experts use, which now suggests that Asperger’s syndrome is no longer to be diagnosed on its own.

What about life insurance for someone with Asperger’s syndrome?

Life insurance pays out a cash lump sum on death to support your family if you’re not around. You can use the money to:

  • Clear mortgage balance
  • Pay off debts
  • Pay rent
  • School fees
  • Standard costs of living

It’s usually a fairly simple process for someone who has been diagnosed with Asperger’s to get life insurance. In most cases, the questions will relate to your treatment, medication, and any psychiatric treatment.

The vast majority of people who suffer from Asperger’s syndrome will have no issues getting life cover. You should also be able to have an application accepted without the need for further medical underwriting.

Some of the questions you might get asked when applying for life insurance with Asperger’s:

  • When were you diagnosed with Asperger’s syndrome?
  • Have you ever had any psychiatric treatment or counselling?
  • Are there any other mental health conditions?
  • Have you ever had any suicidal thoughts or attempts?
  • What treatment or medication are you taking, if any?

Most cases we’ve seen where someone with Asperger’s is applying for life insurance are accepted fairly easily. There are some situations where the symptoms may be more severe or slightly more advanced which can raise additional questions.

This condition is also quite commonly linked to other mental health conditions such as anxiety or depression. There’s also sometimes a link to Epilepsy which then has other questions to answer around seizures and medication.

In most cases for this condition, we would have a fairly wide selection of insurers to choose from to get a fair price.

If you need more information, you can read more about LIFE INSURANCE or call 0800 009 6559 to find out more.

This type of insurance policy pays out a cash lump sum if you become seriously ill. You can use the money from a critical illness claim to cover costs such as:

  • Mortgage or rent
  • Cost of living
  • Household bills (utilities)
  • School fees
  • And more…

You and your loved ones would be financially supported in the event of diagnosis of critical illness conditions such as:

You might want to get critical illness cover to protect yourself from other conditions and that shouldn’t be a problem with Asperger’s syndrome. Usually, you’ll have some questions to answer about your medical history but that won’t cause a problem in most cases.

There’s a slight risk of slightly less choice if you’ve been diagnosed with another medical condition, such as epilepsy. Some mental health conditions can have an impact on your choice of insurers if your symptoms are severe.

Often conditions like Asperger’s syndrome aren’t seen as a major risk factor if the symptoms are mild. Critical illness cover can also be offered with some exclusions which in this instance could be related to mental health.

Usually, the premiums from one insurer to another can vary dramatically and so can the quality of cover. When it comes to this kind of policy with any pre-existing medical condition, you should shop around.

An expert insurance advisor will be able to quickly identify the best insurers and the fairest price. You should just beware of any offer of coverage that seems too good to be true, often they are.

Income protection for someone with Asperger’s syndrome

If you’re not able to work because of an accident or long term sickness then you could cover your income. This pays out a monthly income usually up to 60% of your gross salary to replace lost income.

Income protection can be slightly different because your ability to work may be impacted by Asperger’s. Insurers will want to know information about your condition, treatment, and medication.

You’ll usually have to provide information about whether you’ve had any time off work in recent years. This might also have an impact on your choice of insurers and your coverage options. Some insurers may also ask to view a copy of your medical report from your GP as evidence of your health.

Income protection can also seem confusing and difficult to understand because of the number of cover options. Our specialist advisors have years of expertise in income protection insurance and can help you find the BEST cover at the RIGHT price for your needs.


Generally, you’ll notice signs early on in life during childhood. Some of the initial signs that a parent might identify in their child might have:

  • Difficulty making eye contact
  • Issues in social situations
  • Problems in knowing what to say in certain situations
  • Difficulty showing emotions

Children may also seem as though they struggle with a sense of humour. They might not seem to smile very often or laugh at jokes which can be distressing for a parent.

Celebrities who have Asperger’s syndrome

There are several big-name celebrities who you might be surprised to know have lived with Asperger’s syndrome. These celebrities include:

  • Susan Boyle (Britain’s Got Talent)
  • Sir Anthony Hopkins (Actor)
  • Andy Warhol (artist)
  • Dan Aykroyd (Actor)
  • Courtney Love (Musician)
  • Daryl Hannah (Actor)
  • Dan Harmon (Artist, Actor and TV Producer)

You may be slightly surprised to see some of these big-name celebrities on this list but all are or did suffer from mild Asperger’s. Often there would be few or no symptoms of the condition in later life as you would learn to manage the condition.

Frequently asked questions about Asperger’s syndrome

What are the symptoms of Asperger’s syndrome?Symptoms of Asperger’s and other Autism Spectrum Disorders (ASD) include:

Difficulty with eye contact
Difficulty with communication and social interactions
Missing social cues
Delayed language skills/cognitive skills

Restrictive or repetitive behaviours
Symptoms that affect the ability to function in daily life
Is Asperger’s syndrome different from autism?Asperger’s syndrome is now classed as an Autism Spectrum Disorder (ASD).

In the past, people would use the term Asperger’s syndrome to refer to milder or high function cases of autism.
What can cause Asperger’s syndrome?There is no one known cause of Asperger’s syndrome. Various factors are believed to cause a higher risk of the condition such as:

Genetic factors (family history)
Environmental causes e.g. premature birth
Does Asperger’s syndrome affect life insurance?While insurers will ask questions about your diagnosis, Asperger’s syndrome shouldn’t stop you getting the cover you need.

Speak to one of our life insurance experts if you want more advice about your life insurance.

Useful resources

Autism.org.uk – Asperger’s Syndrome

Autism Speaks – What is Asperger Syndrome?

WebMD – Asperger’s Syndrome

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