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    • hlmc
    • By hlmc 4th Dec 17, 11:46 AM
    • 1Posts
    • 0Thanks
    BRCA Testing & Life Insurance/Critical Illness Policies
    • #1
    • 4th Dec 17, 11:46 AM
    BRCA Testing & Life Insurance/Critical Illness Policies 4th Dec 17 at 11:46 AM
    Can anyone give me any advice on this? Two members of my family have tested positive for a BRCA cancer mutation in our family. I decided to go forward for testing and have had the initial appointment. I was advised by the genetic counsellor who saw me that should I test positive that this may affect my life insurance and critical illness policies - either by putting up my premiums or I would not be covered for breast & ovarian cancer. I am in my early thirties and a home owner - I am unmarried and live on my own. I am in two minds about going forward for testing now as a result. I have also been offered screening for breast cancer from the age of 35 if I choose not to go forward for testing. I was spoken to about risk reducing treatment but I feel that at my age, it is not something I am prepared to consider right now.

    Has anyone tested positive for a gene mutation... what affect did this have on your insurance? I am keen to find out other people's experiences before I go ahead.
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    • starrystarry
    • By starrystarry 4th Dec 17, 12:24 PM
    • 2,360 Posts
    • 5,100 Thanks
    • #2
    • 4th Dec 17, 12:24 PM
    • #2
    • 4th Dec 17, 12:24 PM
    All the info you need is here...

    In a nutshell, you don't have to disclose predictive genetic testing for any condition other than Huntington's disease. So whether you have genetic testing done or not it will have no impact on your ability to get insurance. You may have to disclose your family history though, depending on which family members are affected and their ages at diagnosis, so this may have an impact. It might lead to a premium increase or an exclusion.
    • csgohan4
    • By csgohan4 5th Dec 17, 8:55 AM
    • 4,429 Posts
    • 2,782 Thanks
    • #3
    • 5th Dec 17, 8:55 AM
    • #3
    • 5th Dec 17, 8:55 AM
    nothing stopping you doing the test AFTER you have the policy in place and underwriters happy
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
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