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Cystic fibrosis life insurance

People with more complex medical conditions such as cystic fibrosis often don’t think they can get life cover. It’s true that it can be more complicated but in some cases, it is possible to get life insurance with cystic fibrosis.

Thanks to significant medical advancements in recent years, many people with cystic fibrosis can live long and healthy lives.

The current life expectancy for someone with cystic fibrosis is roughly age 44, which has increased significantly over the past two decades. The most common cause of death for people with CF is lung complications.

People are also now being diagnosed with cystic fibrosis much later in life, thanks to DNA testing. The oldest person to be diagnosed with CF currently was in the U.S. at age 82, the UK wasn’t far behind with a person age 79.

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Many people with more severe medical conditions are often put off applying for life cover because of bad experiences, or they don’t think that it’s available. Often people with medical conditions like cystic fibrosis will have families they need to protect and the same need for cover.


Can someone with cystic fibrosis get life insurance?

When looking into life insurance with cystic fibrosis, the best and most accessible policy will be through a specialist insurer.

Specialist insurers will be able to cover the majority of applicants, regardless of medical conditions or history. This is particularly useful for people with cystic fibrosis who may otherwise struggle to access a life insurance policy.

Guaranteed life insurance with cystic fibrosis

If you can’t get life insurance through the normal insurance brands and high-street insurers, then you should be able to get a ‘guaranteed life insurance’ policy.

Guaranteed life insurance is available through some more specialist or expert companies for people with more complex needs. You will often find that these policies are very reasonably priced as they don’t ask any medical questions.

The only major restriction with this type of cover is that any pre-existing medical condition will be excluded. If you have cystic fibrosis then you will be excluded for it and anything linked to your current medical condition.

The things to remember with guaranteed life insurance for cystic fibrosis are:

  • Cover for anything not connected: you will still be covered for conditions not connected to your cystic fibrosis such as cancer, heart attack, stroke, HIV, accidental death, and more
  • Affordable premiums: often premiums for this type of cover will start at around £10 per month so can be very reasonable

Accidental death insurance for cystic fibrosis

Accidental death insurance is an additional insurance product that will pay out in the event of accidental death or other serious events such as paralysis, blindness and loss of limbs. These policies are usually directly linked to your life insurance policy.

There are various options for accidental death cover. These are:

  • Basic accidental death and dismemberment cover: Paid by your employer and equal benefits to the employee’s basic term life insurance policy.
  • Supplemental accidental death and dismemberment cover: Paid by you. Includes additional coverage for non fatal loss such as loss of hearing or sight.
  • Dependent accidental death and dismemberment cover: Paid by you. Provides your spouse and children or other dependents with equal accidental death benefits, if they are included in your life insurance policy.
  • Voluntary accidental death and dismemberment cover: Paid by you. This coverage can be taken out separately to a life insurance policy.
  • Business travel accident (BTA): Paid by your employer: This provides additional cover for if you have a fatal accident or one resulting in severe injuries whilst travelling for business. This covers travel within the UK and internationally.

Medical conditions linked to cystic fibrosis

Several conditions are known to be linked to cystic fibrosis including:

There are several more common questions that people ask about cystic fibrosis or things that people want to know about the condition. These include things like:

Can you live a long life with cystic fibrosis?Over the past five decades, the average life expectancy for people with cystic fibrosis has increased dramatically.

Even in the past 15 years, life expectancy for someone with CF has increased from 27 years to 44 years, thanks to better treatment.
What is the main cause of cystic fibrosis?Cystic fibrosis is a genetic condition that is inherited from parents caused by the mutation of the cystic fibrosis transmembrane conductance regulator (CTFR) gene. Someone with CF will have inherited 2 copies of the CTFR gene, which will be one from each parent.

For this to happen, both parents must have at least one copy of the defective gene. A carrier has one copy of the gene but does not have the disease.
What is cystic fibrosis life expectancy?The NHS states around half of people living with cystic fibrosis will live past the age of 40. Children born with the condition now are expected to live longer than this.

More information – Average life expectancy UK

Useful information for people with cystic fibrosis

NHS Choices – Cystic fibrosis overview

CF Trust charity

Cystic fibrosis awareness day – 18th June (Wear Yellow Day)

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