Asperger’s Syndrome & Life Insurance
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Aspergers & Life Insurance
I was diagnosed with autism in 2021 and it really helped me to understand myself. In older terms I would have been diagnosed as having Asperger’s syndrome, but this is no longer a specific diagnosis and people are now diagnosed as autistic instead.
We have kept this page on Asperger’s syndrome active on our website as some people identify with this name, more than autism. We do have a specific autism page if you would like to look at this.
Insurers appreciate that many people with Asperger’s Syndrome are generally in good health and that your neurodiversity does not affect their lifespan.
When you apply for life insurance, you may be able to access what is known as normal terms of cover. Standard terms for life insurance means that you are being offered the policy at the same price as someone that does not have Asperger’s Syndrome.
Being able to get this will largely depend upon how much your neurodiversity affects your day to day life. When you’re applying for life insurance, providers will want to know:
- When were you diagnosed with Asperger’s Syndrome?
- How does your Asperger’s Syndrome present itself?
- What medication do you use, if any?
- Whether you have any medical conditions such as epilepsy or anxiety?
If your diagnosis means that you are unable to work and regular support from medical professionals, you may be offered life insurance at non-standard terms (higher pricing).
This does not necessarily mean that you are going to be paying ridiculous prices for your cover, but it is incredibly important to find the right insurer for you. We’re here to support you and go through all of the options at every step of the way.
Asperger's Syndrome & Life Insurance Podcast
Asperger's Syndrome & Critical Illness Cover
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.
As with life insurance applications, critical illness cover applications will ask how the Asperger’s Syndrome affects you, your specific needs, what medication you use and if you have any medical conditions. You know yourself more than anyone else and the most important thing is to make sure that you feel supported and listened to throughout the whole application process.
With critical illness insurance applications, where someone answers yes to something within the medical question set, it’s not unusual for an insurer to request a GP report to get a full picture of your overall health. This is simply so that the insurer can make sure that they fully understand your health before they consider what terms they can offer you.
It may be possible to obtain critical illness cover on standard terms, if the Asperger’s Syndrome does not cause a significant impact on your ability to work and what is considered to be ‘normal’ day to day activities by the insurer. Some people may find that standard terms for critical illness cover are not available. At this point you might be offered terms with a higher premium for the cover.
Asperger's Syndrome & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health
Very much as with critical illness cover and life insurance, income protection policies will require specific information about your Asperger’s Syndrome. This will include details of any treatment or medication you take and how it affects you on a day to day basis.
The insurer might ask your permission to see a medical report from your GP, to confirm your diagnosis. They do this to try and confirm how much your neurodiversity affects your day to day living and ability to work, to make sure that they understand how your Asperger’s presents itself as much as possible.
If your ability to go to work is unaffected by Asperger’s Syndrome, then you may be able to get an income protection policy on the standard insurance market.
But some insurers might exclude any claims linked with Asperger’s Syndrome, if you have needed time off work in the past due to your neurodiversity.
Our advisers will find the right insurer for your income protection policy.
If you find that income protection doesn’t suit you, then you may want to look at accident, sickness and unemployment cover. This is a non-medically underwritten policy that provides you with a monthly income replacement for 12-24 months. These policies can sometimes be a good option but it’s important to fully understand that the policy will exclude any claim relating to your Asperger’s Syndrome.
Asperger's Syndrome & Travel Insurance
If you’re planning a holiday or a getaway any time soon, then speak to a specialist travel insurance broker who can help you to get the right cover based on your neurodiversity. Find out more by visiting our travel page here.
What is Asperger's Syndrome?
Asperger’s syndrome is an autistic spectrum disorder that can result in a person having difficulty communicating, using their imagination and socialising. People with Asperger’s syndrome can have highly advanced language skills, but face difficulties in understanding social boundaries of acceptable communication.
Also: Mild autism, autism spectrum condition, autistic spectrum disorder (ASD)
Linked with: Autism, attention deficit hyperactivity disorder (ADHD), anxiety, depression, Tourette’s Syndrome, epilepsy, obsessive compulsive disorder (OCD), bipolar disorder
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have Asperger’s Syndrome include:
- Being misunderstood and appearing to be blunt or rude
- Difficulty communicating and using imagination
- Feeling that the world is overwhelming
- Highly focused interests
- Managing emotions
- Repetitive behaviour and specific routines
- Social interaction
Medications and Treatments
- Anticonvulsants
- Counselling
- Melatonin
- Methylphenidate
- Occupational therapy
- Psychosocial treatment
- Selective serotonin reuptake inhibitor (SSRI)
Further Reading and Research
By clicking on the link(s) above you will be departing from the regulatory site of Cura Financial Services. Cura Financial Services is not responsible for the accuracy of the information contained within the linked site(s).
Common Questions
Absolutely, yes. It must be declared and you will be asked for a lot of information about your diagnosis, how you manage the condition and how it affects your day to day life.
However, with a milder form of the condition, you’re likely to find a wide availability of cover albeit potentially at higher than standard premiums.
If you have had any significant changes to your health recently, it is possible that the insurer that you apply to may postpone your application, until a little time has passed to make sure that you are ok. This is generally known as a postponement, but you may hear terms of being refused or declined insurance. Please do not worry if this is the case, we are here to help.
It’s possible that a prospective insurer will want to see medical records, but it won’t be your responsibility to send it. Generally, you’ll simply need to consent to the insurer accessing records from your GP and they’ll do this directly. They’ll be looking for information about your condition and how it affects your day to day life and health.
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 800 reviews.
Review by Lauren on 30th October 2018
“Brilliant, after not being able to get insurance from a majority of companies due to a medical condition beforehand, Cura helped me to find a suitable and affordable insurance - beyond grateful!” - 5
You can read more of our reviews here.
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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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