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.
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.
Independent Reviews at 
The Insurance Surgery - Life insurance review for Ian from Halstead
2 weeks ago
Insurance surgery were extremely helpful throughout the process. I dealt with Greg, he kept me informed and updated throughout and even more so when we hit a few set backs. I’ve got my insurance now a... read more
The Insurance Surgery - Life insurance review for Sirinya from Taunton
3 weeks ago
Very good, efficient and fast prompt service read more
The Insurance Surgery - Life insurance review for Ross from Isle Of Bute
3 weeks ago
They did everything they said they would, I struggled to get insurance for my condition but the Insurance Surgery made sure they found me the best possible deal available. read more
The Insurance Surgery - Life insurance review for Paul from Wallington
3 weeks ago
Excellent, so helpful no pressure just an amazing service read more
The Insurance Surgery - Life insurance review for Mohamed from Wigston
4 weeks ago
Josh at the insurance surgery was outstanding, couldn't do enough for me to get my health insurance sorted.well done !You deserve 5 stars, I wouldn't hesitate to recommend you to family and friends.Th... read more
The Insurance Surgery - Life insurance review for Vishnu
1 month ago
Good understanding of one's needs rather than pushy sales. read more
The Insurance Surgery - Life insurance review for Nathan from Swindon
1 month ago
They were very friendly and very helpful finding me a cover I was happy with. Great service, would definitely recommend. read more
The Insurance Surgery - Life insurance review for Gertrude from Birmingham
1 month ago
Prompt response and constant support throughout. read more
The Insurance Surgery - Life insurance review for Matthew
1 month ago
Very helpful, everything was done so quickly and the person I spoke to who sorted everything was amazing. read more
The Insurance Surgery - Life insurance review for Rebecca from Bishop'S Stortford
1 month ago
I was lucky to have Andy be my point of call for any queries and for all updates.Andy was very pleasant, he was always phoning for updates and reassurances and he was very professional.Andy was simply... read more
The Insurance Surgery - Life insurance review for Stefan from Mansfield
1 month ago
Really super service from start to finish. Greg was so helpful and sorted life insurance for myself and my husband. Thank you so much. read more
The Insurance Surgery - Life insurance review for Valerie from Falkirk
1 month ago
Very helpful indeed. Took away the hassle of shopping around. read more
The Insurance Surgery - Life insurance review for Alan
1 month ago
Great knowledge from Andrew Hellyer, I arranged for a call back and he called back when requested.Fits in with what I was looking for. read more
The Insurance Surgery - Life insurance review for Kwame
1 month ago
I found the service pretty easy to use and got the best deal on offer. They were also very helpful and attentive. read more
The Insurance Surgery - Life insurance review for Lee from Pontyclun
1 month ago
They found us the prefect product and were incredibly patient with our slow replies due to work commitments.Perfect product for our lifestyle. read more
The Insurance Surgery - Life insurance review for Alan from Harwich
1 month ago
organised my life insurance request in a very professional manner and actually saved me some money. read more
The Insurance Surgery - Life insurance review for Taiwo from London
1 month ago
I found a link to The insurance surgery on the Which website so I was looking for a company to deliver a good product, good customer service, no upselling, and no hard selling, The insurance surgery d... read more
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
Useful Links
- Fibromyalgia Action UK: www.fmauk.org
- Arthritis Research UK: www.arthritisresearchuk.org/arthritis-information/conditions/fibromyalgia.aspx
- UK Fibromyalgia: ukfibromyalgia.com
- NHS Choices: www.nhs.uk/Conditions/Fibromyalgia/Pages/Introduction.aspx
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