If you are diagnosed with Fibromyalgia and are planning to pull the umbrella of life insurance over your family then you have to be prepared for a questionnaire to check whether you are eligible or not. It is always better to comprehend your options and know which company is better to obtain the coverage from. In this post, we are going to answer some common questions related to Fibromyalgia and life insurance.

  • Is it possible to get the insurance coverage with Fibromyalgia?

The most satisfying and shortest reply is Yes.

Meanwhile, you have to be prepared with your response to the question that will come to you from the underwriters. They will focus their concentration in gathering every detail about your unique medical condition and judge how it will have a consequence over your policy. Here are some sample questions.

  • When did you get diagnosed?
  • What is your recent health condition?
  • What medication was prescribed?
  • What is your capability to do daily activity?

If you have a serious condition of fibromyalgia then you have to hunt for a policy which will provide guaranteed coverage for any type of health condition.

  • How will this health condition affect insurance?

 As mentioned earlier, the Seriousness of the health condition will decide the effect on your premium. After going through the uniqueness of the condition, the underwriter will decide which policy will fit you.  In short, if you have a severe condition then you will have to pay an extra amount for the policy.  Other than this, every insurer determines the premium rate depending on the age, medical condition, lifestyle etc. The amount of coverage you have selected will affect the premium rate. If you want a lump payout you have to purchase more expensive insurance.

In the end.

You have to engage an independent agent so that they can understand your health condition and suggest the right policy from the best insurer in the UK.

We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00
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