Life Insurance with Retinitis Pigmentosa

Life Insurance

We recognize that being diagnosed with retinitis pigmentosa can be a stressful and uncertain time for you. Life insurance is something to consider, and we can assist you every step of the way.

Factors to consider when beginning your research:

1. When were you diagnosed with retinitis pigmentosa?
2. Does your vision loss affect your ability to do day to day tasks?
3. Have you taken part in any counselling?

Individuals with retinitis pigmentosa can typically obtain life insurance under standard terms from the majority of insurance companies.

The insurer may inquire about the tests you have undergone for diagnosis, the intensity of your symptoms, and any associated anxiety or depression.

For individuals awaiting surgery, insurers generally prefer to wait until after the procedure to offer life insurance.

Vision loss typically isn’t considered a major life insurance risk, so the application process should be relatively simple.

Critical Illness

Individuals with retinitis pigmentosa will probably have an exclusion in their critical illness cover policy.

Several critical illness policies provide coverage for blindness or partial loss of sight. The insurer you contact will likely exclude these conditions from your policy’s claim coverage.

These policies provide coverage for heart attacks, stroke, cancer, and other conditions. Although it’s disappointing to be excluded, you are still covered for the claimable conditions that are the most likely to be needed.

Income Protection

Income protection plans for individuals with retinitis pigmentosa typically include an exclusion for vision-related claims.

There are income protection policies available through employer arrangements or through your own company that may not come with exclusions. Group income protection, which is the policy type mentioned, is likely to provide the highest quality contract.

Additionally, there are alternative options such as Accident, Sickness, and Unemployment policies that might suit your needs. These policies do not require medical questions during setup, but there are some technical aspects that would be best discussed with an adviser.