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Life Insurance with Turner’s Syndrome


Life Insurance is often available for those with Turner’s Syndrome. Those without any heart or kidney issues may be able to find cover through standard insurers.

Life Insurance premiums are likely to be higher when a resting heart-rate is below 40 as this often means there may be underlying health issues causing this. 

If you suffer from other significant medical conditions, you may wish to read our details on those before enquiring as we may need to ask more specific questions about them as well.

If you have not already been declined for life cover, you could consider approaching mainstream insurers first.


Make a Life Insurance Enquiry 

If you need a specialist underwriter

Pulse specialise in taking your Turner’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.

It is quite likely that we will require a Medical Report before cover can be issued. We will discuss this with you when you enquire.


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 many of Turner’s Syndrome cases we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not.


Being Transparent

It is always important to declare your Turner’s Syndrome and any other medical conditions completely.


Your Personal & Medical Details

Everything you disclose about your Turner’s Syndrome and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.


Your Health

Your Pulse underwriting specialist will look to gain a detailed picture of your condition and you should take care to disclose everything. These factors will be explicitly considered when determining the premium, you would pay.


Requirements for more information

While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Turner’s Syndrome and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

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.


Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication.  

Please send these either to or post them to us

n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.

It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.

If you have any queries, please give a member of the team a call on 01280 841430.


Additional Covers

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 cover brings peace of mind for you and your family. 



Will Pulse cover me?

Does your Turner's Syndrome cause any heart or kidney issues?


Please complete review our details for Heart Conditions and Kidney conditions taking care to note your Turner's condition in your answer to our enquiry questions, if you decide to proceed.

Enquire now Download our Questionnaire for this Condition / Occupation / Leisure Pursuit

Do you have any secondary conditions or does Turner's Syndrome impact on your ability to work?


If you have been declined cover by mainstream insurers, your may wish to submit an enquiry to us.

If you have any questions before doing so, please do not hesitate to call on 01280831430

Enquire now Download our Questionnaire for this Condition / Occupation / Leisure Pursuit

As you do not appear to have any complications or other conditions, you may well be able to get cover form mainstream insurer's.

If you are unable to get cover, you may wish to submit an enquiry to us or give us a call to discuss things before doing so.

Start Again

Need help? Call us on: 01280 841430

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