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Neurofibromatosis type 2 life insurance

There are a wide range of choices available for life insurance, which can make it hard to know which option is the best for you. This is especially true if you have a medical condition like neurofibromatosis type 2 (NF2).

It is estimated that NF2 affects 1 in 33,000 people worldwide. Men and women are equally affected with symptoms usually beginning between the ages of 18-24.*

Neurofibromatosis type 2 is rarer than type 1 and will usually affect your hearing and balance, with symptoms often becoming worse over time.

Our life insurance experts are rated #1 in the UK for life cover with pre-existing medical conditions. There are some brilliant policies available for neurofibromatosis type 2 life insurance and our advisors can help you choose the one most suitable to protect your home and family.

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Type 2 neurofibromatosis is a genetic medical condition that will cause tumor growth along your nerves and the tumours are generally benign (non cancerous). The benign tumors can also grow in the brain and spinal cord and there can be various tumour types (such as meningioma and ependymoma).

This condition mainly affects hearing and balance, as tumours grow along the auditory nerves responsible for these functions. These tumours are known as acoustic neuromas (or vestibular schwannomas).

Typical neurofibromatosis type 2 symptoms include:

  • Issues with balance and walking
  • Tinnitus (ringing/buzzing in the ears)
  • Increasing levels of hearing loss

Neurofibromatosis type 1 vs type 2

There are two types of neurofibromatosis. Neurofibromatosis type 1 is like type 2 in that it causes tumours to grow on your nerves, but the symptoms are different.

While type 2 mainly affects hearing and balance, type 1 neurofibromatosis mostly affects the skin with birthmarks, clusters of freckles and tumours (neurofibromas). Type 1 neurofibromatosis is also more commonly diagnosed than type 2.

Will life insurance cover neurofibromatosis type 2?

YES – you will still be covered by your existing policy if you are diagnosed with neurofibromatosis type 2. Although a genetic condition from birth, symptoms may not occur and be diagnosed until teenage years or early adulthood.

It can also still be possible to take out a new neurofibromatosis type 2 life insurance policy, provided you get advice from an expert who knows which providers are best to approach.

If you have well managed symptoms that are not severe, you could even get insurance at a standard rate through many excellent providers.

Does life insurance pay out for neurofibromatosis type 2?

YES – provided you have disclosed this condition when applying, your loved ones should have no issue receiving a pay out from your policy if you were to pass away.

Life insurance is the #1 way to provide your family with financial security, ensuring they will not struggle when you are no longer around. Your cover will pay out a lump sum if you were to pass away which can be used for many things including:

  • Mortgage or rent payments
  • Household bills
  • School fees
  • Funeral costs
  • Debts

Having a life insurance policy in place can give you peace of mind, as you know that your family will be well supported during a hard time.


When taking out a life insurance policy with a pre-existing medical condition, insurers may need additional medical information. They will ask the usual health and lifestyle questions as well as asking questions specific to your neurofibromatosis.

If you are applying for neurofibromatosis type 2 life insurance, providers may ask:

  • When you were diagnosed
  • If you need mobility aids (e.g. walking stick or mobility scooter)
  • If you have had any tumours removed
  • If you know how many tumours you have currently
  • If you have developed any complications or other conditions due to your condition (e.g. meningiomas or peripheral neuropathy)
  • Have you had any other forms of treatment to treat complications of the condition (e.g. radiation therapy)

Can I get neurofibromatosis type 2 life insurance?

YES – there are some excellent options for type 2 neurofibromatosis life insurance. If you have more mild symptoms, it can be possible to get life insurance at a standard rate.

You may have developed further medical conditions or complications due to neurofibromatosis type 2, which may have meant you have been declined cover in the past.

Can you get critical illness cover with neurofibromatosis type 2?

YES – in many cases you will be able to take out critical illness cover if you have type 2 neurofibromatosis, especially if your condition is well managed. Insurers may however place an exclusion for claims related to your condition e.g. progressive hearing loss or deafness.

Critical illness cover is a very beneficial policy to have in place, providing you with a tax-free lump sum if you were diagnosed with a serious illness. This can help you to cover any expenses incurred from loss of income if unable to work or to cover medical costs.

Some common conditions that lead to critical illness claims include:

How much is life insurance with neurofibromatosis type 2?

There are many factors that will affect the cost of your neurofibromatosis type 2 life insurance and the pricing can vary massively depending on the insurer you apply to.

This is because all providers will have different underwriting processes and criteria. Some insurers will be better suited to various circumstances such as pre-existing medical conditions or specific occupations.

Factors that will be considered when insurers decide the cost of your policy include:

If you apply to the right provider, you may be able to get cover at a much lower price than with others. Our team will always aim to put your application through to the insurer that is the perfect fit for your needs, so you don’t pay more than you need to.

Having a diagnosis of NF2 can greatly affect your life, but shouldn’t mean you have to pay ridiculous prices for the cover you need.

If you want to lower the price of your policy, our team can offer over 20 years worth of expert advice. We can help you search the market for the best available policies, so you can put the best cover in place at the right price for your budget.

Our team are top rated in the UK for life insurance with pre-existing conditions, meaning we are best placed to offer support and guidance for your policy.

Compare the best neurofibromatosis type 2 life insurance

With access to a wide range of policies through the UK’s top insurance providers (as well as more specialist insurers), we can compare hundreds of available policies quickly and hassle free.

If you have found it difficult to get cover in the past, our team will be able assess which providers are most suitable for your needs, so you don’t waste any time.

Medical conditions linked to neurofibromatosis type 2

NF2 is a genetic disorder which causes noncancerous tumors to develop along your nerves. This can greatly affect the nervous system, causing problems with balance and hearing and even facial weakness or paralysis. It can also affect the peripheral nerves, leading to peripheral neuropathy.

There are several conditions linked to neurofibromatosis type 2. These conditions include:

We have over 20 years of experience in helping people across the UK find the best life cover possible. We specialise in helping those with pre-existing medical conditions, dangerous hobbies and high-risk occupations find life insurance to protect their homes and families.

If you need neurofibromatosis type 2 life insurance, speak to one of our highly trained experts for FREE, FRIENDLY advice and guidance. We will help you assess how much cover you might need and which providers will be best for your policy.

We put customer service at the forefront of everything we do here, and are very proud to have 5 STAR ratings on Feefo with over 1000 customer reviews.

*according to the American National Association for Rare Disorders

Useful resources

NHS – Neurofibromatosis type 2

MedlinePlus – Neurofibromatosis type 2

Johns Hopkins Medicine – Neurofibromatosis Type 2 (NF2)

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