Prader-Willi Syndrome (PWS) & Life Insurance

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Prader-Willi Syndrome (PWS) & Life InsuranceWe appreciate that living with Prader-Willi Syndrome may enhance the challenges of day-to-day life and you may be wondering if this will affect your life insurance, we are here to help and support you in any way possible.

There’s just a few things we’d need to know from you to get started:

  • What are your symptoms?
  • Do you take medication to control this?

Life insurance for people with Prader-Willi Syndrome 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.


Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

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.


Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

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.


Are you planning a holiday? Or just some travel abroad? Either way, it’s important that you have the right travel insurance for you.

Click here to start arranging this.

What is Prader-Willi Syndrome (PWS)?

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.

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)

Common Questions

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Cura Financial Services has been rated 4.9 out of 5 based on 578 reviews.

Review by Andrew on 30th March 2021

First class service. Brilliant support and service throughout. Absolutely first class. Made something which is, let’s face it, kind of embarrassing when referring to getting mental health issues covered by health insurance, painless. Would 100% recommend. - 5 

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Prader-Willi Syndrome (PWS) & Life Insurance

Dr Kathryn Knowles Phd

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

Prader-Willi Syndrome (PWS) & Life Insurance

Client Reviews

Prader-Willi Syndrome (PWS) & Life Insurance

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