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There are many reasons why you might want to take out life insurance, especially those with a family history of Huntington’s disease.

This is a rare genetic disease that is more likely to occur in people where there is a parent with HD. According to statistical evidence, you would have a 50% (1 in 2) chance of developing Huntington’s disease if your Mother or Father has the gene.

Some key questions for life insurance with Huntington’s disease are will it payout if I get it or can I get covered with this condition? Here we aim to answer all of your questions and to help you get the best cover to protect your family at the right price.

According to figures from the Huntington’s Disease Association, there are just below 7,000 people living with this condition in the UK.

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YES – if you die from Huntington’s disease or anything connected to this condition then your policy should pay out to your family in the event of a claim.

It is widely known that Huntington’s disease can reduce your life expectancy after the date of diagnosis. If you’re concerned about this, you should consider life insurance to protect your loved ones.

Before getting accepted for life insurance with Huntington’s disease, the main question is ‘do any of your parents have Huntington’s disease?’.

Once you’ve got life insurance then you should be covered for anything that might happen in the future. There are some non-standard products that might exclude some conditions but thankfully these are rare.


Critical illness cover will payout for several serious medical conditions that can be connected to Huntington’s disease.

Most of these types of policies will not generally pay claims for Huntington’s disease because of how it affects people. The most common medical conditions that are paid out under critical illness cover includes:

Each insurer has its own list of medical conditions that are defined under the policy terms & conditions.


YES – if you are signed off work by your doctor or GP because of your Huntington’s disease then your income protection claim should payout.

An income protection policy is designed to replace your salary for a period from 4 weeks (generally) to 12 or 24 months, depending on your cover. There are occasions where you may not be able to work due to symptoms from Huntington’s disease.

You can usually get cover for up to 60 or 80% of your gross salary depending on which insurance provider you choose. This is purely to take into account the tax element and would equate to your Net monthly salary (after-tax).

The common uses for income protection claims include:

  • Mortgage or rent payments
  • School fees
  • Utilities or household bills
  • Medical treatments and medications

It is also common for people who are self-employed to take out income protection to replace lost income during periods of sickness.


YES – The other thing to consider is whether you can get life insurance after you’ve been diagnosed with Huntington’s disease. You should be able to get life insurance cover if you have Huntington’s disease. There are a few different types of policies available, so it is a good idea to think carefully about what type of cover you need. You can choose between:

YES – it is possible to get life insurance with Huntington’s disease and it might even be available through some standard insurers.

There are many reasons why you might need life insurance and it can be even more important when diagnosed with a serious medical condition. Huntington’s disease can cause concerns for you and your family so it’s advisable to have financial protection in place.


It is common for someone with Huntington’s disease to be asked for further medical evidence to support your application.


Premiums for life insurance are based on some standard elements that would apply to everyone, including:

  • Your age
  • Amount of cover (£’s)
  • Term of the plan (years)
  • Type of cover
  • Smoker status


You might also be able to reduce your life insurance premiums by following some simple steps such as:

  • Don’t put it off: if you take out life insurance when you’re younger then you could save a significant amount, especially with a family history of Huntington’s disease
  • Expert advisors: by speaking to a specialist you should be able to save £’s on your monthly life cover premiums
  • Smoking: smokers are considered to be at higher risk so if you plan on stopping then you could save as much as 50% after 12 months

There are some general health and medical questions that you’ll be asked as well as some very specific questions about your Huntington’s disease.

Some of the most common questions that insurers will ask about this condition will include:

  • When were you originally diagnosed with Huntington’s disease?
  • Do you have any outstanding results from any scans, investigations, tests, x-rays, or hospital referrals?
  • When did you last experience any symptoms or attacks?
  • Do you take any medication for this condition?
  • Have you had any time off work recently?

Here are some common medical conditions that can often be linked to Huntington’s disease for those affected by this condition:

There are some common questions that people often ask when looking for information about Huntington’s disease.

What is the life expectancy for someone with Huntington’s disease?After you’ve been diagnosed with Huntington’s disease then the normal life expectancy from that point is 15 to 20 years.
What are the 5 stages of Huntington’s disease?There are five known stages to the progression of Huntington’s disease which include:

Stage 1 HD: Pre-clinical stage
Stage 2 HD: Early stage
Stage 3 HD: Mid-stage
Stage 4 HD: Late stage
Stage 5 HD: End-of-life stage
What happens for someone with Huntington’s disease?There are some similarities between HD symptoms and those displayed with Parkinson’s or Alzheimer’s.

These can include uncontrollable leg, arm, head, face and upper body movement.


Here are some of the useful links and resources that we found online for people with Huntington’s disease.

NHS Choices – Huntington’s disease

Huntington’s Disease Association – Charity

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