Marfan syndrome, like other potentially life-threatening conditions, is a medical disorder that many life insurers will immediately be cautious of. If you have Marfan syndrome and you want to get life insurance, then you may know how difficult it can be to find appropriate cover.
Although getting life insurance with Marfan syndrome is a challenge, it’s not one that you have to overcome by yourself. If you need help finding life insurance with Marfan syndrome, then let Special Risk Managers help. We’re renowned for our ability to find life insurance options for those who have serious medical conditions or special circumstances, and may be able to source comprehensive, affordable cover for your condition.
Whether your case of Marfan syndrome is new or ongoing for years, we may be able to help you get the coverage you want. From life insurance plans to policies for income protection, trauma insurance, and TPD insurance, our team may help you find what you’re looking for. Call us today on 1300 665 356 to get started.
About Marfan Syndrome
According to BetterHealth Victoria, recent estimates suggest that one in 3000-5000 people have Marfan syndrome. As a genetic disorder, Marfan syndrome is often hereditary, but it can sometimes be found in people with no family history of this disorder (these cases are known as ‘spontaneous mutations’).
Because it affects connective tissues, this disorder can affect several parts of the body. Some of the most commonly affected areas include the heart, spine, joints, eyes, and limbs.
Like other serious medical conditions, early detection and diagnosis are critical to ensuring good health in later life. Proper diagnosis is even more important given the fact that symptoms between patients can vary in type and severity.
Life Insurance Complications with Marfan Syndrome
Getting life insurance with Marfan syndrome is not impossible, but it is often difficult to do. Here’s why:
Marfan syndrome is potentially life-threatening
The most serious concern that insurers have with Marfan syndrome is that it often affects the patient’s cardiovascular system. It can cause structural deformities to the heart such as enlarged aortas, which can tear or affect blood flow to the heart. In fact, Marfan Association Victoria estimates that at least 90% of cases have some degree of cardiac involvement. When you apply for life insurance, insurers will likely want to know to what extent Marfan syndrome affects your cardiovascular system and other bodily functions.
It’s a chronic condition
Marfan syndrome is often a chronic condition with varying degrees of symptoms occurring throughout a patient’s life. Marfan Association Victoria explains that although Marfan syndrome is present since birth, patients may be diagnosed later in life only when their symptoms start to show. Because Marfan syndrome is often a lifelong condition, predicting its future impact can be difficult. This unpredictability makes it inherently risky for insurers.
Diagnosing it can be difficult
A 2006 report in The Medical Journal of Australia discusses how diagnosing Marfan syndrome can be challenging, reporting how it often requires much testing and input from different specialists. Because of this, insurers will likely require several tests and documents to ensure an accurate evaluation of your condition and state of health.
There is no cure yet
Although Marfan syndrome’s symptoms can be treated and minimised, there is currently no cure for this genetic disorder. For insurers, this means that the risks from this condition will always be present. For patients and applicants, this means that you’ll need to be constantly vigilant in monitoring your condition and making appropriate lifestyle changes to ensure good health.
Despite these challenges, remember that it is possible to get life insurance with Marfan syndrome. It does, however, often involve a more tedious and complicated process. Unless you have a thorough understanding of life insurance procedures and policies, then finding the right cover options can be a long and time-consuming endeavour.
Why Choose Special Risk Managers?
If you have Marfan syndrome and need help identifying your insurance options, then you need to work with specialists who know exactly what to do. And for those in Australia, those specialists are Special Risk Managers.
We are recognised as one of Australia’s top experts in finding life insurance for those with serious medical conditions or special circumstances. We’ve built a reputation of finding options for clients whom insurers have previously rejected or considered ‘uninsurable’.
No matter how severe your case of Marfan syndrome may be, we will try our best to help you find your best options for life insurance. Whether you want comprehensive life insurance policies or insurance plans for income protection, TPD insurance, or trauma insurance, our specialists may be able to help you get it.
At Special Risk Managers, we may be able to ensure that Marfan syndrome won’t stop you from having the options you need to protect you and your family’s futures. Call us on 1300 665 356 or contact our team today to get started.