Chronic Fatigue Syndrome Life Insurance
People with Chronic Fatigue Syndrome looking for life insurance, critical illness cover or income protection as with other forms of health issues will find that insurance offers may vary dramatically from one insurance provider to another which is why it is so important to speak to an expert such as The Insurance Surgery. Our team of insurance experts has been working with and helping people with pre-existing medical conditions to get cover since 1999, such as for Chronic Fatigue Syndrome life cover, critical illness cover and income protection. We work with thousands of people and families every year to help them get the right cover as well as help them to save money on their insurance premiums regardless of their health, occupation or extreme sports.
How Chronic Fatigue Syndrome insurance works:
For those who have been diagnosed with Chronic Fatigue Syndrome and need life insurance, critical illness cover or income protection to protect themselves, their families or their homes, they will need to provide additional information such as:
- Age at diagnosis
- Severity of symptoms
- Type of medication/treatment
- Effects on limbs, joints or mobility
- Other medical conditions
The Insurance Surgery is a leading Chronic Fatigue Syndrome life insurance, critical illness cover and income protection specialist with many years of experience helping people with this condition to get the right cover and to save money on premiums. Contact one of our team of experts to find out how we can help you to get the cover you need to protect your family, home or business.
Chronic Fatigue Syndrome Life Insurance
If you have been diagnosed with a long term (chronic) medical condition such as Chronic Fatigue Syndrome (or ME) and you need life cover to protect your family if you pass away, then you need to consider some factors. Chronic Fatigue Syndrome life cover terms will vary from one insurance provider to another which is why it is so important to speak to an expert who understands how Chronic Fatigue Syndrome life insurance underwriting works for each insurer.
Some of the main factors that will be considered for your Chronic Fatigue Syndrome life insurance application will be things like:
- What age were you when you were diagnosed with Chronic Fatigue Syndrome (ME)
- Have you suffered any mental health issues due to your condition
- How often are your symptoms and how severe are they
- Does your condition affect your daily living
- Have you taken any time off work because of Chronic Fatigue Syndrome
We speak to a lot of people with a wide variety of pre-existing medical conditions looking for cover, such as with Chronic Fatigue Syndrome life insurance and a considerable number of those clients have been refused cover by other companies. It is important to remember that just because you have been declined cover elsewhere because of your medical history, that does not mean that all insurance companies will not offer cover. The majority of applications that we submit for Chronic Fatigue Syndrome life cover and other conditions have been declined elsewhere yet we are still able to get cover because of our experience and knowledge.
Chronic Fatigue Syndrome Critical Illness Cover
It is possible to get critical illness cover for Chronic Fatigue Syndrome, however, you will need to provide information regarding your CFS and your health.
In all applications you will be asked to provide information on your condition, and how it affects you on a day to day basis with additional information on the full extent of the types of symptoms you experience.
Chronic Fatigue Syndrome critical illness cover can be offered with a number of different outcomes as well which can be anything from a premium loading where the level of risk is increased or you could be offered cover with certain exclusions relating to your condition. Insurance terms for critical illness cover can vary dramatically which is why it is important to speak to a specialist who understands how underwriting works for various insurance providers and therefore can direct you towards the most suitable provider.
Chronic Fatigue Syndrome Income Protection
The vast majority of mainstream or high street insurance providers currently do not offer Chronic Fatigue Syndrome income protection due to the related risks which could impact your ability to work long term without having to have time off because of your condition.
There are some specialist insurers who would consider cover for Chronic Fatigue Syndrome income protection depending on the severity of your condition and your overall health.
Case Studies
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Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
Mat Wise
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Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
Duncan Fordyce
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Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
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Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.
Nicola Storr
Useful Links
If you have been diagnosed with a pre-existing medical condition such as Chronic Fatigue Syndrome and you need life insurance, critical illness cover or income protection then you should speak to one of our experts to see what we can do to help. Our team of experienced specialist insurance advisers have worked with a wide range of clients with hundreds of different medical conditions to help them to get the right cover and to save them money on premiums.
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