Insuring someone with vascular EDS can be challenging, and it is advised to consult with a specialist broker, such as those available through BIBA. Many insurers are cautious about this condition, but options are available. Typically, life insurance cover might be limited to a 10-year term with a significantly higher premium—potentially 200% to 400% above the standard rate. Alternatively, guaranteed acceptance, whole-of-life plans (often marketed to over 50s) may be considered. These plans do not require medical underwriting but usually include a moratorium period where no death benefit is paid if the insured dies within the first 12 to 24 months. It’s also worth exploring occupational life insurance available through employment, which often provides cover under favourable terms and may include rapid payout options via trusts, bypassing probate. Individuals should ensure they understand the specific terms and potential benefits of such policies.