It’s highly likely that The Insurance Surgery can secure Fibromyalgia life insurance cover for you at standard rates. The majority of Fibromyalgia life insurance applications that we see are generally accepted with no additional premium loading.
There may be a small loading in slightly more severe or advanced cases. In more severe or serious cases there may be an additional loading applied. This is when treatment / medication is stronger or anti-depressants are used.
Usually when underwriters assess an application for Fibromyalgia life insurance, a GP report or medical evidence will be required. This is to gather information about the individual and their condition. This enables life insurance underwriters to accurately assess the application and apply the correct terms.
Some insurance providers are better than others for Fibromyalgia life insurance and other neurological conditions. This is where our expertise comes in to ensure that we apply to the best specialist insurers 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.