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Fibromyalgia Life Insurance

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Fibromyalgia Life Insurance

The Insurance Surgery is a leading life insurance expert for people with pre-existing medical conditions such as Fibromyalgia. Our team of expert insurance advisers has been helping people looking for Fibromyalgia life insurance to find the best possible cover and insurance providers as well as help to save them money. Life insurance, critical illness cover and income protection are all designed to ensure that you and your loved ones or your business if you are self-employed, are financially secure if anything should happen in the future.

How Fibromyalgia Life Insurance works:

Fibromyalgia life insurance underwriting is based on several key factors which will determine how much you will pay and the level of cover being offered. These include:

  • Date of diagnosis
  • Medication or treatment being used
  • Severity of condition
  • Any hospitalisation
  • Other related conditions

We are a leading life insurance expert for people with all types of neurological conditions such as Fibromyalgia, Multiple Sclerosis and Epilepsy. Our team of advisers has helped thousands of individuals, families and businesses to protect their financial futures against loss of income through death, sickness or injury.

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Fibromyalgia Life Insurance

For people with Fibromyalgia looking for Life Insurance, positively it is highly likely that The Insurance Surgery will be able to secure cover for you at standard life insurance rates. The majority of Fibromyalgia life insurance applications that we see are generally accepted with no additional premium loading or a small loading in slightly more severe or advanced cases. In more severe or serious cases for Fibromyalgia life insurance where treatment / medication is stronger or anti-depressants are used, there may be an additional loading applied.

Usually when underwriters assess an application for Fibromyalgia life insurance, there will be a requirement for either a GP report or medical evidence. This is to gather information about the individual and their condition so that life insurance underwriters can accurately assess the application to apply the correct terms. Some insurance providers are better than others for Fibromyalgia life insurance and other neurological conditions which is where our expertise comes in to ensure that we apply to the best provider for you.

If you have previously applied for Fibromyalgia life insurance and had cover accepted on special rates, been postponed or even declined then it will generally be worth reviewing your cover. Fibromyalgia life insurance rates and terms change regularly and could have improved in your case, or your health may have improved.

Fibromyalgia Critical Illness Cover

Fibromyalgia is one of the neurological conditions where critical illness cover is available due to the fact that it is generally milder and symptoms do not directly result in most critical illness claims (e.g. Cancer, Heart Attack etc.). There are many applications for Fibromyalgia critical illness cover which are accepted at normal rates and even with no exclusions, especially where there are no complications or issues.

Generally for Fibromyalgia critical illness cover there will be a requirement for some sort of medical information to support your application, such as a GP report or medical check. Our experience shows that people with Fibromyalgia looking for critical illness cover will find that cover can be difficult to get with certain insurance providers and easier with others. Also, TPD is not available currently on any Fibromyalgia critical illness cover policy which may be subject to change.

If you have applied for Fibromyalgia critical illness cover previously and had cover agreed at special terms or been declined cover then it will be worth reviewing based on your current circumstances. Underwriting changes regularly for all types of neurological medical conditions critical illness cover so things may have improved.

Fibromyalgia Income Protection

Income protection for Fibromyalgia is available in limited circumstances if your condition is currently not active or if you have symptoms over a number of years that are very mild. Generally Fibromyalgia income protection is difficult to get because of the potential issues relating to how symptoms can regularly affect your ability to work.

If you have applied for Fibromyalgia income protection that has been previously declined and your condition has improved then it may be worth reviewing.

Case Study 1

  • Client: Female
  • Age: 44
  • Smoker status: Non-smoker
  • Medical condition: Chronic fatigue syndrome & Fibromyalgia
  • Cover date: 25th June 2019
  • Product type: Life insurance and critical illness cover
  • Cover amount: £20,000
  • Cover term: 25 years
  • Premium: £17.28

We were approached by this lady on the 15th May 2019 when she was referred to us by an Independent Financial Advisor (IFA) who was struggling to find her cover. This happens quite regularly as some IFAs struggle to find mainstream protection for their clients, therefore they ask us to help. Our advisor Sam P then get in contact with the lady to discuss her medical issues and her life insurance needs. At this point she disclosed that she has previously suffered from chronic fatigue syndrome and Fibromyalgia, and was looking for £20,000 Life & Critical Illness over a 25-year period to cover her mortgage. Sam P then did some research and found the cover she wanted with one of our mainstream providers for £20,000 over 25 years for just £17.28 per month on the 25th June 2019. This is an amazing premium considering her medical history and the fact that Critical Illness costs considerably more than just life cover on its own. There was a slight delay between her initial enquiry and her policy being completed due to the fact that the lady was busy and had a lot of different things to do before she could sort her life insurance out. However, Sam P finally secured her cover, so she now has peace of mind.

Overall this is an amazing result as it can be difficult to find Critical Illness for someone who has had chronic fatigue syndrome and fibromyalgia, and the lady now has the protection that she was previously lacking. We love finding protection for people who have previously struggled as we want to help people get the peace of mind that they deserve.

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Fibromyalgia facts and statistics

Fibromyalgia is a chronic condition (long-term) which is thought to be caused by levels of chemicals in the brain which are abnormal and differences in the way that the central nervous system perceives pain messages from around the body. It is not fully understood or defined that this is the actual cause at this stage so could change.

Symptoms of Fibromyalgia:

  • Aches and Pains (throughout the body)
  • Increased sensitivity
  • Stiffness
  • Fatigue
  • Difficulty sleeping
  • Headaches

Facts about Fibromyalgia:

  • Affects 1 in 20 people approximately
  • Generally develops in people aged 30 to 50
  • 3-6% of the world’s population has Fibromyalgia




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