What do insurers deem as high risk and how will this impact…
Yes, you can get life insurance with fibromyalgia syndrome (FMS).
The severity of your symptoms and how these affect your daily life will be considered by insurers, but in many cases it’s possible to get the cover you need to protect your loved ones.
At Reassured, we work with major insurers as well as smaller specialist insurers, which means we can often help find affordable life insurance for people with pre-existing conditions.
We understand the importance of having the right cover in place, so we always work hard to find suitable policies and low-cost rates for all our customers.
If you’re worried about applying for life insurance with fibromyalgia, then get in touch with our award-winning team for expert support. We’ll listen to your needs and circumstances and run you through the options we have available to you.
Our quotes are free and without obligation.
In this guide:
Life insurance can provide some financial support for your loved ones when you pass away.
When taking out a policy you can decide how much is paid out and how long you’re covered for depending on your needs and budget.
Get in touch with Reassured to discuss your life insurance requirements and compare the suitable options we may have available to you.
If you’ve been diagnosed with fibromyalgia, then you may be concerned about how this can affect your life insurance and the cost of your premiums.
Fortunately, it’s still possible to secure affordable protection for your loved ones, however, the outcome of your application will depend on various factors such as:
The table below shows the possible outcomes for different applicants with fibromyalgia based on the circumstances of their condition:
|Applicant||Condition details||Possible outcome|
|1||Symptoms are mild, minimal impact on daily activities and work, no other health problems||Could be accepted with standard premiums, or accepted with increased premiums depending on the insurer|
|2||Symptoms are mild, some impact on daily activities and work, no other health problems||Could be accepted but with increased premiums|
|3||Symptoms are moderate, some impact on daily activities and work, other health problem present||May be accepted but with increased premiums or may be declined. Could apply for specialist cover|
|4||Symptoms are severe, impacts daily activities and work, other health problem(s) present||May be declined. Could apply for specialist cover|
Please note, your eligibility and premium prices will also be influenced by other factors such as your age, lifestyle and BMI
The outcome of your application will also depend on the insurer you apply with. Some insurers are more lenient than others when it comes to certain conditions as they each have different criteria for evaluating risk.
In cases where the severity of your fibromyalgia has made it more difficult to secure standard types of life insurance, it could still be possible to secure specialist cover through Reassured.
Specialist insurers, such as The Exeter, can provide affordable policies for applicants with pre-existing conditions.
Get in touch with the experts at Reassured to see how we can help you. We’ll listen to your needs and circumstances so we can source our best quotes for you from a panel of mainstream and specialist insurers.
Applying for life insurance with fibromyalgia will be the same as for anyone else, but there are parts of the application process that you should be aware of.
Insurers will ask a variety of questions about your fibromyalgia to see how it affects your daily life and whether it has impacted other areas of your health.
Questions will vary but may include:
Insurers will also ask if you have any related health conditions, such as:
Depending on your personal circumstances, an insurer may request access to your medical records to learn more about your condition and overall health.
This can be a normal part of the process for applicants with pre-existing conditions, so it’s not anything to be concerned about and doesn’t mean you’ll be turned away - it just allows the insurer to better assess your application and provide an accurate quote.
If you’re asked to provide further medical evidence, the insurer will get in touch with your GP directly to obtain a copy of your medical records, but not without your permission first. Your application will be put on hold until the insurer has all the information necessary to make a decision.
The cost of life insurance for applicants with fibromyalgia will vary from individual to individual, as insurers will price your premiums based on your personal circumstances.
Factors such as the severity of your condition and whether you have any other health issues will impact how much you pay, along with the following details:
It’s possible that having fibromyalgia could increase the cost of your premiums, but if this happens it doesn’t mean that life insurance is too expensive.
Comparing policies and multiple quotes can help you find your most cost-effective options, as prices will vary significantly between insurers.
Get in touch with Reassured to see if we can save you time and money by comparing our best quotes from a panel of leading life insurance providers.
Some types of life insurance may be better than others for people with fibromyalgia, and different insurers will offer different policies and prices.
At Reassured, we offer the following options. Term life insurance is the most popular policy type, as it can help to cover large expenses such as a mortgage and tends to be the cheapest.
Over 50s life insurance may be a good option for older applicants with fibromyalgia as there are no health questions when you apply and acceptance is guaranteed if you’re aged 50 - 85.
Term life insurance
This policy provides a lump sum pay out if you pass away during a set period (the term).
You can choose between a fixed or decreasing pay out amount as well as how long you’ll be covered for depending on your needs and budget.
Over 50s life insurance
This policy is available to people aged 50 - 85 and provides lifetime cover, guaranteeing a fixed lump sum pay out to loved ones when you pass away (up to £20,000 depending on your personal circumstances and budget).
Premiums start from just £5 a month + .
Family income benefit
This type of policy provides fixed tax-free monthly payments during a set period if you pass away during the policy term.
The money can help replace your income and cover daily living costs for your loved ones.
Whole of life insurance
As the name suggests, this type of policy provides cover for the rest of your life and guarantees a pay out to loved ones when you pass away. It’s best suited to applicants who are in relatively good health, as premiums tend to be more expensive than other policy types.
If you need help choosing the right policy, then get in touch with Reassured. Our team of experts are on hand to provide you with all the information you need to make a fully informed decision.
We can also compare multiple quotes from a variety of mainstream insurers as well as specialist insurers to help you find a good deal.
If you’re refused life insurance with one insurer due to fibromyalgia or other reason, this doesn’t mean to say you can’t secure a policy with an alternative insurer.
This is because different insurers have different processes for assessing risk. Your application could be accepted elsewhere if you know where to find the most suitable insurers.
At Reassured, we have a dedicated impaired risk life insurance team who have a solid track record of finding some form of cover for applicants who’ve been declined in the past.
We work with some of the best life insurance providers as well as smaller specialist insurers so can identify those who are most likely to offer you the best terms.
Make the most of our expertise by getting in touch today.
Yes, it’s possible to get critical illness cover with a diagnosis of fibromyalgia.
If your symptoms are mild and well-managed, then you may be offered cover at the standard rate.
If you have severe symptoms and these impact your daily life, then you may be able to secure critical illness cover but at an increased premium.
The illnesses covered by a critical illness policy are specified by the insurer. You’ll need to check your policy documentation to know exactly what’s covered.
For applicants with fibromyalgia, certain illnesses related to fibromyalgia may be excluded by insurers to reduce their risk.
If you’re supporting a family and/or paying a mortgage, then taking out critical illness cover alongside your life insurance policy can give you peace of mind that you’re financially protected should you be unable to work due to a life changing illness.
Critical illness cover
This policy provides a lump sum pay out if you’re diagnosed with a critical illness during a set period. The funds can help towards private medical treatment, home alterations and/or keeping up with financial commitments. Policies cover a wide range of illnesses such as:
Critical illness cover can be added to any term life insurance policy arranged through Reassured for an extra cost.
Get in touch with Reassured to speak to an expert about your needs and compare free quotes for life insurance with critical illness cover.
Generally, no. Fibromyalgia isn’t usually listed as a critical illness that’s covered by critical illness cover by most insurance companies.
This depends on the terms of your policy and whether fibromyalgia is one of the critical illnesses covered.
You can read the terms of your policy or get in touch with your provider to find out if you can claim for fibromyalgia.
As mentioned above, if fibromyalgia is a pre-existing condition, then you could still be eligible for critical illness cover but you won’t be able to claim for this condition and your policy may not cover certain related conditions.
At Reassured, we have many years’ experience helping UK families find suitable life insurance and critical illness cover to protect the financial future of loved ones.
Getting the right cover sorted can seem like a daunting task if you have a health condition, particularly if you’re unsure how this can affect the application.
However, our team of dedicated professionals are on hand to help you with every step of the process, from choosing the most suitable policy to filling in the application form.
We understand the criteria of each of the insurers we work with, so we can identify those which are most likely to offer the most competitive rates.
Our FCA-regulated broker service is fee-free, so enquire today.
Fibromyalgia syndrome (FMS)
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