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.