We know that neurofibromatosis is unpredictable, you never know when a new tumour will appear, if it will be visible or internal, if it will be uncomfortable or cause mobility issues.
Having NF type 1 can be stressful, and it is our job to take away any stress that you may have in arranging your insurances. When you apply for Life Insurance, neurofibromatosis type 1 NF1 will need to be fully detailed to the insurer. The insurance provider will probably want to see a report from your GP to find out how much the condition affects your general health. The insurer will be interested in whether or not you have secondary conditions e. It can be helpful if you have had a full body imaging scan to establish how many neurofibromas that you have, but it is not essential.
Older individuals with mild neurofibromatosis type 1, may be able to secure Life Insurance at standard terms. Young adults applying for Life Insurance with neurofibromatosis type 1, could find that cover is accepted at non-standard terms. It is important to find the right insurer for you and your circumstances, to get you the best terms possible. Critical Illness Cover for people with neurofibromatosis type 1 will also require a report from your doctor, for the insurer to fully assess the application.
Applications are reviewed on a case by case basis with factors such as the number of neurofibromas present, number of nodules removed and the speed of tumour development, all affecting the underwriting decision.
You may be able to arrange Critical Illness Cover on the standard insurance market, but if there are any issues because of the neurofibromatosis, there are specialist policies that can be applied for instead. Income Protection for those with neurofibromatosis type 1 may be available with some insurers.
