I am applying for life insurance over £500,000 and have had a predictive genetic test for Huntington’s disease. What do I need to do?

If you are applying for life insurance over £500,000, you may need to disclose to an insurer if you have a predictive genetic test result for Huntington’s disease. If you intentionally do not disclose the test result, you may invalidate your insurance. However, you do not need to disclose the test result if you are applying for less than £500,000 of life insurance and if you do disclose it the insurer will ignore the result.

Just because you may have to disclose a test result for Huntington’s disease does not mean you will necessarily be refused insurance.