Life Insurance with Neurofibromatosis

Life Insurance

Neurofibromatosis can be unpredictable – the appearance of new tumors is uncertain, visible, internal, uncomfortable, and can also cause mobility issues. It is our responsibility to alleviate any stress you may experience when arranging your insurances due to having NF type 1.

Information we should be aware of:

• When were you diagnosed with neurofibromatosis type 1 (NF1)?
• Do you know how many nodules you have?
• Have you had body imaging scans done?
• Have you had any neurofibromas removed?
• How often do your tumours develop?

When applying for Life Insurance, all details on neurofibromatosis type 1 (NF1) must be provided to the insurer. The insurance provider may require a report from your GP to assess the impact of the condition on your overall health. The insurer will need to know about any secondary conditions you have, such as epilepsy, or if your bone development has been affected, like scoliosis. Having a full body imaging scan can assist in determining the amount of neurofibromas you have, although it is not crucial.

Older individuals who have mild neurofibromatosis type 1 could potentially qualify for Life Insurance under regular terms. Young adults with neurofibromatosis type 1 applying for Life Insurance may receive coverage at non-standard terms. Finding the right insurer for your situation is crucial in order to secure the most favorable terms.

Critical Illness

To qualify for Critical Illness Cover with neurofibromatosis type 1, the insurer will need a report from your doctor to evaluate the application thoroughly. Applications are evaluated based on specific factors, including the amount of neurofibromas, number of nodules removed, and rate of tumor growth, which impact the underwriting decision. Critical Illness Cover can be arranged through the standard insurance market, but if there are any issues due to neurofibromatosis, specialist policies are available.

Income Protection

Income protection may be an option for individuals with neurofibromatosis type 1 through certain insurers. A report detailing the current number of tumors, those that have been removed, and their growth rate needs to be submitted to the insurer from your GP. The conditions outlined in the Income Protection policy will vary based on the severity of the neurofibromas you are dealing with. The insurer will also inquire if your neurofibromatosis has led to any work absence in the past.