Wolfram Syndrome & Life Insurance

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Wolfram Syndrome & Life Insurance

When you apply for life insurance, insurers usually want to know information about your health, especially any long term conditions that you have.

Wolfram syndrome is not specifically listed in the insurer’s application sets, but, it’s very likely that it will come up somewhere. If you’re answering questions for a life insurance application with mainstream insurers and you haven’t found anywhere to disclose your condition, double check!

We are here to make sure that your life insurance application is answered in the right way and make sure that it goes to the best insurer for you.

To get things started we will ask you:

When was your diagnosis of Wolfram Syndrome confirmed?
What symptoms do you experience?
What medications do you take?

It is quite likely that a life insurance policy for you will be offered at non-standard terms. This means that the insurer has decided to increase the premium, due to your existing health conditions. This is never a positive thing to hear. But, life insurance is much cheaper than people think and when these increases happen it’s often not as bad as expected.

The best life insurance provider for you will depend upon the symptoms you experience due to the Wolfram Syndrome. Insurers often take your ability to work and doing day to day things, as a bit of a guide as to how much a condition is affecting you.

Wolfram syndrome specifically affects a person’s eyes and it might be that this hasn’t happened much to you yet, or it could be that you have lost significant vision now. We are able to provide you with quotations and our recommendation in recorded audio format that you can keep, if that would be better for you.

Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.

Wolfram 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.

Unfortunately it is unlikely that you will be able to arrange critical illness cover, when you have Wolfram Syndrome. With potential involvement of the eyesight, hearing, kidney function and more, there are many claimable conditions on a critical illness policy that are linked to these symptoms.

There are specialist policies that you can potentially look at that can insure you for diagnosis of cancer. These types of policies exclude claims relating to pre-existing conditions and it is essential that you feel confident that you understand the terms and conditions on offer.

Our award winning advisers are here to make sure that you get the right insurer to match you and your health.

Get a Critical Illness Cover Quote

Wolfram Syndrome & Income Protection

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

It is not likely that you will be able to access a traditional full income protection policy, due to your condition. Income protection is a policy that generally excludes anything related to pre-existing conditions that you have. As there are so many areas of the body that can be affected by Wolfram Syndrome, you will find that most insurers will not be able to consider an income protection application from you.

There are some specialist income replacement policies that you might be able to access. These policies tend to insure you for 12-24 months per claim and will exclude claims relating to pre-existing conditions.

Our advisers are here to make sure that you get the best insurance policy to protect your income.

Get an Income Protection Quote

Wolfram Syndrome & Travel Insurance

Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place. You can find out more about getting a quote on our travel insurance page.

What is Wolfram Syndrome?

Wolfram syndrome is a very rare condition that can have a range of symptoms, with symptoms very similar to diabetes. A genetic neurological condition, Wolfram Syndrome can affect a person from birth and some symptoms will progress and develop further over time, especially in terms of vision loss. Unfortunately, Wolfram Syndrome can potentially affect a person’s life expectancy.

Also: DIDMOAD syndrome

Linked with: Diabetes mellitus, juvenile onset diabetes mellitus, diabetes insipidus, optic atrophy, deafness, depression, chronic fatigue

Possible Effects on Lifestyle

Some of the symptoms people may experience living with Wolfram Syndrome:

Balance difficulties
Breathing difficulties
Fertility considerations
Gastrointestinal problems
Hearing loss
Incontinence
Loss of taste and smell
Loss of vision

Medications and Treatments

Catheterisation
Dietary Considerations
Exercise plans
Hearing aids
Insulin
Vasopressin

Common Questions

1. I have Wolfram Syndrome and I really want income protection, but everywhere is either declining me or saying I will have a lot of exclusions. Are there any options to cover claims linked to my condition?

Hi, it’s lovely to hear from you. Income protection can be very tricky to arrange when you have a long term health condition. The insurers usually exclude claims relating to health conditions that you already have. With Wolfram Syndrome there are quite a few areas of the body that can be affected and the insurers often decline income protection, as they think it’s unfair to offer a policy where they are putting so many exclusions on.

There are some specialist policies that you can access that can potentially cover claims relating to the Wolfram Syndrome, but there are quite strict eligibility criteria to access these. I will ask one of my team to get in touch with you and discuss the options.

Client Reviews

Cura Financial Services has been rated 4.9 out of 5 based on 827 reviews.

Review by Liam on 20th February 2025

“Very Professional. A very helpful and professional service. Cura are a great team who manage to source me life insurance despite being rejected by other mainstream insurers. Such a relief.” - 5 

You can read more of our reviews here.

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

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."