Prader-Willi Syndrome (PWS) & Life Insurance

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Prader-Willi Syndrome (PWS) & Life Insurance

Life Insurance for people with Prader-Willi Syndome is unlikely to be available with standard life insurers. Most people will need to arrange the Life Insurance with specialist providers who are able to consider the application. We would strongly recommend that you speak to an insurance adviser before arranging Life Insurance, so that they can fully detail what you are and are not covered for with the policy.

For most people with Prader-Willi Syndrome, Critical Illness Cover is unlikely to be unavailable in the standard insurance market. It may be possible to arrange Critical Illness Cover with specialist insurers, but it is essential that you fully understand what the policy does and does not cover.

 

Unfortunately in most circumstances people with Prader-Willi Syndrome are often not able to have Income Protection insurance.

An alternative is to look into an Accident, Sickness and Unemployment (ASU) policy. This policy will pay a claim if you become unable to work because of a disability, involuntary redundancy or long term injury. If you are unable to work because of a disability, involuntary redundancy or long term injury, you may be eligible for income replacement. This is a short term policy that lasts between 12-24 months and is not medically underwritten at the time of application. Any claims that you make on this policy will exclude your inability to work based on PWS. You must also be working a minimum 16 hours per week to be eligible for this cover.

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Prader-Willi Syndrome is a rare genetic condition that affects chromosome number 15. Typical problems include a constant desire to eat, gaining weight, learning difficulties, stunted growth and behavioural problems. There is no cure for this condition, however treatment is available to manage it. The syndrome is not life-threatening, although constant eating and weight gain can be.

What is Prader-Willi Syndrome (PWS)?

If new mothers are feeling sad, anxious or teary within the first two weeks after giving birth, this is known as the “baby blues”. Symptoms that last longer than this could be the development of postnatal depression. Postnatal depression, or postnatal depression, can affect new mothers, partners and fathers in many different ways within the first year of the birth of a baby. Symptoms, such as sadness, difficulty bonding with the baby, a lack of energy and feelings of guilt, can come on gradually or develop suddenly.

Also known as: PWS

Linked with: Obesity, dwarfism, hypotonia, hypogonadism, type 2 diabetes, heart failure, sleep apnoea, scoliosis, osteoporosis, cellulitis, psychosis, long-sightedness, short-sightedness, tooth decay

Some potential problems experienced by individuals who have Prader-Willi Syndrome include:

  • Constantly feeling of hunger
  • weight gain
  • restricted growth
  • learning difficulties
  • Behavioural difficulties
  • Fertility problems
  • High tolerance to pain
  • Lack of sexual development
  • Reduced muscle tone
  • Antibiotics
  • Cognitive Behavioural Therapy (CBT)
  • Combined oral contraceptive pill
  • Exercise (swimming, walking, gym)
  • Healthy diet
  • Human Growth Hormone (HGH)
  • Laparoscopy
  • Selective serotonin reuptake inhibitors (SSRIs)
Prader-Willi Syndrome (PWS) & Life Insurance

Dr Kathryn Knowles Phd

Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

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