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Stickler Syndrome Life Insurance

It is understandable to be worried about applying for life insurance if you have medical conditions. You may believe it will be too hard or too expensive. Luckily, this usually isn’t the case, especially with the help of an expert with the right knowledge and background.

According to Stickler Syndrome UK, Stickler syndrome affects around 1 in 7,500 to 9,000* people and it causes issues with the connective tissues in your body, commonly affecting the eyes. Symptoms of Stickler syndrome include retinal detachment (vision loss), hearing loss and joint pain.

Though this condition isn’t usually life threatening, it is certainly worth thinking about how it could affect your life insurance and also how life cover can help you. Life insurance is a great way to reassure yourself and your loved ones that they will be financially supported if you were to pass away.

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Stickler syndrome is a disorder that affects the collagen (connective tissues) in your body. It can also be referred to as ‘hereditary progressive arthro-ophthalmology’.

This condition will normally be diagnosed at birth or early childhood and is more likely to occur if one or both parents also has the condition. You can experience a range of different signs and symptoms including:

  • Vision problems (short sightedness)
  • Higher chance of retinal detachment
  • Cataracts
  • Hypermobility (flexible joints)
  • Joint disease
  • Cleft palate (a split in the upper lip and/or roof of mouth)
  • Hearing loss
  • Curved spine (scoliosis)

How does Stickler syndrome life insurance work?

When you apply for life insurance you will be asked questions about your overall health and lifestyle. If you have Stickler syndrome, you could be asked further questions such as:

  • When were you diagnosed with Stickler syndrome?
  • What medications or treatments have you been prescribed?
  • Have you ever had surgery due to Stickler syndrome?
  • How severe are your symptoms? Is mobility badly impacted?
  • Does Stickler syndrome prevent you from working?

Generally, when applying with Stickler syndrome, an insurer will want to see more medical evidence. This is just so they can have a greater understanding of how Stickler syndrome impacts your health and everyday life. Don’t worry, it doesn’t mean you are more likely to be declined cover.

Can I get life insurance with Stickler syndrome?

YES – life insurance can be available when you have Stickler syndrome, but some insurers will be a better option for you than others.

Every insurance provider views medical conditions slightly differently, so it is key to make sure you don’t waste time applying to the wrong ones. It is possible you have been declined life insurance before because of Stickler syndrome. That doesn’t have to mean the end of the road though, as there are a range of great life insurance options available for people with medical conditions.

Can I get critical illness cover with Stickler syndrome?

YES – It can be harder to get critical illness cover with Stickler syndrome but it’s not impossible. It is all about speaking to the right people and getting the best advice for which insurers are most likely to accept your application.

Whether you can get critical illness cover will depend on the severity of your symptoms and the provider you apply to. Many people with Stickler syndrome will have what is known as ‘Pierre Robin sequence’ or Pierre Robin syndrome. This affects facial structure and can lead to issues like a cleft palate, breathing and feeding difficulties and a small lower jaw.

The insurer will assess your overall health when you apply and may request further medical evidence such as a GP report. This is standard practice and not something to be overly worried about.

How much does Stickler syndrome life insurance cost?

Every person will pay a slightly different price for their life insurance. This is because pricing is based on a few factors and every applicant will be unique. Insurers will ask various questions when you apply, and the answers will affect the price that you are quoted.

Things that can impact pricing include:

  • Your age
  • Your general health and lifestyle
  • Weight
  • Medical history
  • Smoker status
  • Occupation
  • High risk hobbies

How to save on Stickler syndrome life insurance

The best way to save money on your life insurance is to speak to an expert for advice before applying and always compare a few different policies and providers.

Not all insurers will charge the same price even for the same level of cover, so it definitely is worth checking before making any decisions.

You can also lower the cost of your cover by:

  • Reduce the amount of £s you are covered for
  • Reduce the policy term (how long you are covered for)
  • Change the type of policy (e.g. swap from a whole life to a term policy)

There are a few medical conditions that can be caused by or linked to Stickler syndrome. For example Stickler syndrome and hearing loss/vision loss are often closely linked. You may also experience other symptoms such as breathing difficulties, bone and joint pain and eye problems.

Here are some related conditions below:

What do people with Stickler syndrome look like?People diagnosed with Stickler syndrome tend to have distinct facial features (Pierre Robin syndrome).

This includes:

Cleft palate
Smaller nose
Prominent forehead/eyes
Receding jaw
Does Stickler syndrome get worse with age?Stickler syndrome is a progressive disorder meaning symptoms can become worse over time.
What is Stickler syndrome life expectancy?There is no cure for Stickler syndrome but it shouldn’t usually affect life expectancy.

More information – Average life expectancy UK

As people with families of our own, we know how important it is to protect them where we can. Life insurance is the #1 way to safeguard your home and family against any financial loss in the event of your death.

If you have Stickler syndrome and need help with your life cover, you can contact one of our friendly experts for FREE guidance and support.

Useful resources

NHS – Stickler Syndrome Support Group

NHS Cambridge University Hospitals – Stickler Syndrome Specialised Services

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