Deb (29) Hi Debbie Thanks for your question! Having a parent with HD doesn't qualify you as having a pre existing medical condition but life insurance companies will also ask questions about family medical history which require's you to state information about HD and then they use it as a reason not to insure. This is why pre-symptomatic people have had so much trouble. The reason we are excited about the Virgin quick and easy option as is that it appears to be the first product that does NOT ask you any questions about anything related to HD or your family, so you can get life insurance. Regarding your question about the definition of accident, I can see why you are concerned, but your question is really technical and either the insurance companies themselves or perhaps your own legal advice would be the best place for more info? Cheers, Tony and the HD Space team I am wondering whether l should be tested for HD. My grandmother had HD, my mother has been tested and has CAG repeat of 39, which l understand places her in the gray area. So basically l am wondering where this places myself. Bron age 35 Bron is at a 1 in 2 risk of inheriting the HD gene from her mum. Your mum's CAG repeat number is in the grey zone. If you inherit the HD gene then you are also likely to have 39 CAG repeats. Whether you want to be tested for