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MARFAN SYNDROME
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About Marfan Syndrome life insurance

It is understandable that some people may be put off applying for Marfan syndrome life insurance or assume that it is not available, is too expensive, or won’t pay out. However, the team at iam|INSURED is made up of some of the UK’s leading experts on life insurance with pre-existing medical conditions, and there are several options we can provide.

Marfan syndrome is a disorder that you inherit from a parent which affects the body’s connective tissues. Consequently, your bodily structure becomes altered, and your internal organs are not supported like usual. It predominantly affects the:

  • Heart
  • Eyes
  • Blood vessels
  • Skeleton

According to statistics in the UK, Marfan syndrome affects around 1 in 5,000 people. Whilst this alone would place Marfan syndrome as a rare condition overall, it is one of the more common connective tissue disorders.

About iam|INSURED

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Does life insurance pay out for Marfan Syndrome?

Yes – if you have an active life insurance policy, it will pay out a lump sum to your loved ones if you were to pass away from Marfan Syndrome.

Life insurance policies are based on your health at the time of application, and so any pre-existing medical conditions – such as Marfan Syndrome, will be included in the underwritten price.

This also means that the sooner you apply for life insurance, the better the price will be, as you will be younger and usually in better health than later in life.

Does critical illness cover pay out for Marfan Syndrome?

Because every insurer is different, they each have a different list of illnesses that they deem to be significant enough to trigger a payment on critical illness cover – so the key is knowing who to speak with.

Since Marfan syndrome is an inherited condition, it does not tend to show up on the insurers’ critical illness lists. Depending on the severity of your condition, it may also be the case that cover isn’t available or has exclusions applied due to the higher risk.

Critical illness cover is designed to pay out a lump sum if you get diagnosed with a serious medical condition such as:

There are, however, a number of other options if you have Marfan syndrome and are looking to have a level of protection in place. Speak with one of our friendly advisers who will be happy to talk you through the options for free.

More information about Critical Illness Cover

Will income protection pay out for Marfan Syndrome?

Much like other types of cover, income protection is based on your personal health at the time you take out the cover, so if you’ve already got Marfan syndrome then it’s possible for the policy to have exclusions depending on the severity of your condition. It’s best to speak to a specialist as they will be able to get the best cover for you.

There are, however, still some options for cover with Marfan syndrome which could help to ease the financial burden if, for example, you spend some time in the hospital.

In general, income protection policies will cover a percentage of your monthly income if your GP signs you off work for 4 weeks or more.

This can help to cover things like:

  • Mortgage and rent payments
  • Bills and outgoings
  • School fees
  • Medical treatment

This type of policy usually pays you for 12 or 24 months depending on your cover. You will receive a benefit every month until you are fit to return to work.

More information about Income Protection

Can I get life insurance with Marfan Syndrome?

Marfan syndrome life insurance can be available in some cases and is almost always subject to further underwriting. The insurers may request records of your medical history in order to gain a bigger picture of your health and make a decision based on this.

Even if you’ve already been declined for Marfan syndrome life insurance in the past, it’s still worth speaking to our experts as they have decades of experience and will know which insurers are best to go to.

There are also other options to consider which are available through us and will help to ensure some level of protection is in place for your family and loved ones in the event that something happens to you.

Will I need a medical to get Marfan Syndrome life insurance?

The likelihood is that the insurers will write out to your GP to request medical records when you make an application for Marfan syndrome life insurance.

Don’t worry – this is completely normal, and you won’t have to pay for the records to be prepared. The insurers will pay out of their own pocket, and you have the added benefit of knowing that your policy will be 100% accurate and valid if a claim ever has to be made.

Medical conditions linked to Marfan Syndrome

There are numerous conditions that can be linked to Marfan Syndrome as well as several conditions that it can lead to.

Common questions about Marfan Syndrome

Here are a few of the most common questions about Marfan Syndrome and living with the condition.

What are the symptoms of Marfan syndrome?

Some symptoms of Marfan Syndrome may include:

  • Being very tall and slim
  • Having unusually long arms, legs, and fingers
  • Heart murmurs
  • Being very near-sighted
  • Having a curved spine (scoliosis)
  • Flat feet
  • A high, arched palate in your mouth
  • Crowded teeth
  • A breastbone that sticks out or dents inward

What is the life expectancy of a person with Marfan Syndrome?

If left untreated, the average life expectancy for someone with Marfan syndrome is around 32 years. This is due to the associated risks surrounding your heart.

What does a person with Marfan syndrome look like?

Usually, Marfan syndrome causes people to be very tall and thin. Their limbs such as their arms, legs, fingers, and toes appear out of proportion to the rest of the body, and they may have a curved spine (scoliosis) and a breastbone that sticks out or dips inward.

Useful resources

Here are a few useful links for people living with Marfan Syndrome or looking for more information about it:

NHS Choices – Marfan Syndrome

Marfan Trust – Charity

Pain UK – Charity

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