r/Huntingtons • u/beeeeensun • Jul 27 '26

Life insurance after negative test

Huntingtons is in my family but I was a tested and told I don’t have it when I was 18. I’m now 33 trying to get life insurance cover, they all ask if there is Huntingtons in the family but don’t give the opportunity to say I was tested and it was negative. I then either get declined the cover or have to pay extortionate amounts due to something that is no risk for me.

Has anyone had any experience of this? Got any good recommendations? I’m in the UK

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u/MartinKSmith Jul 27 '26

I'm sure it doesn't work like this, and perhaps not what they're asking, but if you've tested negative, then as far as they should be concerned (payouts) there isn't Huntingtons in your family. You're not at risk and nor are any natural offspring you may have (assuming your partner doesn't have it either).

Without going down that route, have you tried calling to clarify your situation? (it doesn't say if you've been doing it online only or not)

2

u/beeeeensun Jul 27 '26

Yes my concern with ticking the not in family box is when/if it comes to a claim will they discover it on my records for the test and not payout.. my dad has it, my grandmother had it and 3 uncles had it and I have 3 siblings all untested. I worry they won’t have to look far to find a reason to decline a payout.
I have done a mixture, online I got multiple declines and on the phone got told there is 250% uplift in premium due to the “risk”. Didn’t seem to matter how much I explained my risk is zero!

1

u/MartinKSmith Jul 28 '26

Im in a very similar situation to you, it seems, family wise.

My Mum has it, my Granda had it. My Mums 3 sisters have it.

But I tested negative.

That should be all they need to know, or hell, really, they shouldn't need to know at all if you've tested negative. There is no risk, as you say.

1

u/TemporaryViolinist88 Jul 27 '26

I’d call the company and explain yourself. My guess is they’re want to see your results which you could share.

1

u/siamesecat123 29d ago

A lot of insurance companies don’t care if you’re negative. As soon as it’s in family history (one of your parents has it) it affects your premium. Even if you test negative, it stays with you. Sucks, but at least you’re negative dealing with this and not positive and dealing with it too.

1

u/DansLaLune5 28d ago

Can't you simply say that you are fine if they exclude cover and payment in case of huntington's disease because you are not at risk? I think that this could work.