Insurers in general have a reputation for declining life insurance and other covers to those with Asperger's Syndrome.
However, it is often possible to find cover for many who have Asperger's Syndrome provided they and their loved one's have a genuine financial need for the protection and the life being assured has the capacity to sign the application form.
Every individual is affected differently by Asperger's Syndrome and so any attempt to generalise about the availability of Life Insurance is difficult to produce while being relevant, useful and accurate for everyone.
If you have not yet approached mainstream insurers for Life Cover, this is a good first step as cover may be available.
We are not always able to find cover, but we like to think if cover is available, we will find it.
Your Asperger's Syndrome
Pulse regularly find cover for people with a wide range of conditions.
We find that each person is best treated as an individual and so providing any generic guidance across all conditions is difficult.
If you have or previously had any other conditions in addition to your Asperger's Syndrome - please also search again to review detail for those.
Life Insurance with Asperger's Syndrome
Typically, the availability of Life Insurance once you have been diagnosed with a Asperger's Syndrome can become non-standard.
Your specific situation should be assessed fairly by every life underwriter and where there is increased risk, premiums may be rated accordingly and in some instances, the life cover sought may not always be available.
If you have been declined by some insurers already, our underwriters will want to fully understand your past and present health in detail before they will issue a policy.
There is a wide variety and depth of complexity to be appreciated and that drive the cost and availability of Life Insurance for those with Asperger's Syndrome.
Other Conditions or Complications
Sometimes Asperger's Syndrome can bring or be associated with other health issues such as Angelman Syndrome, Autism, Fragile X Syndrome, Lanau-Kleffner Syndrome, Prader-Willi Syndrome, Rett Syndrome, Tardive Dyskinesia, and Williams Syndrome. These may have a bearing on the availability and cost of Life Insurance and you should give details in your enquiry.
If you need a specialist underwriter
Pulse specialise in taking your Asperger's Syndrome and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.
We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.
Why Pulse Insurance?
- Pulse Insurance have been focused on finding unusual cover since 1998
- We strive to offer a caring and sensitive service
- We are knowledgeable insurance professionals who work as a team
- We provide a personal service to guide you through
- If we cannot help, it will not be for the want of trying or know-how
While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are good at helping people find the cover they need.
In some Asperger's Syndrome cases, we can offer indicative premiums and/or sense of if cover may be available early on; so, you can decide to proceed or not.
It is always important to declare your Asperger's Syndrome and any other medical conditions completely.
Your Health & Beyond
Every person who lives with Asperger's Syndrome knows that their condition and any complications will be in some way unique to them. Other aspects of your physical health and lifestyle can separately impact your risk and the cover available. These will be explicitly considered when determining the fair premium, you would pay.
As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.
Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.