Fibromyalgia life insurance

Do you have fibromyalgia? Are you looking for life insurance with an affordable policy? At iLi we specialise in helping people with long-term medical conditions like fibromyalgia to find cover that protects them and their families. Our unique comparison service and network of approved impaired insurance specialists can help you quickly and easily find the best life insurance policy at a great price.

Living with Fibromyalgia

Fibromyalgia is a long-term medical condition that causes a sufferer to experience pain all over their body. Symptoms of fibromyalgia include fatigue and trouble sleeping, pain that spreads throughout the body, difficulty concentrating, stiff and aching muscles, headaches and irritable bowel syndrome. There is currently no cure for fibromyalgia, but treatments can help sufferers cope with symptoms. Treatments for fibromyalgia include painkillers, antidepressants, counselling and cognitive behavioural therapy (CBT). Relaxation techniques and keeping stress levels low can also help the condition.

What exactly causes fibromyalgia is currently unknown, but it is believed to be connected to the nervous system and the nerves, which create pain messages by mistake before carrying them around the body. It has also been suggested that the condition is genetic, or can be triggered by a stressful event such as the loss of a loved one or another different type of trauma.

If you have fibromyalgia, you should not be worried about whether or not you can secure life insurance cover, as many insurers offer policies and will accept applications.

Finding the right insurer for fibromyalgia life insurance

Fibromyalgia is a very difficult condition to live with, and it can be tricky to try and explain symptoms to others. Fibromyalgia is considered to be a long-term chronic medical condition, and some insurers can be cautious about accepting applications. All insurers have to underwrite applications they receive from customers looking for fibromyalgia life insurance, and need to manage their level of risk. Many insurers will accept applications from people looking for life insurance cover with fibromyalgia, providing there are no other major health complications present. At iLi, we can help you find the right insurer for your personal circumstances.

Costs for Fibromyalgia life insurance premiums

Fibromyalgia is considered by insurers to be a long-term chronic medical condition. If your condition is severe and you have suffered from other related health issues such as depression, you should expect to pay higher premiums than a person with no health conditions at all. This will however depend on the severity of your fibromyalgia, the medications and treatment you are undertaking, how long you have had the condition for and the level of risk you pose to an insurer. If your condition is mild and does not have a great impact on your daily life and ability to carry out tasks, you may be accepted for cover on standard terms.

Prices from insurers will vary depending on who you speak to, which is why iLi is the right place to find the best impaired fibromyalgia life insurance specialist.

You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if your condition is severe, you have links to other health conditions such as depression, and there is a great likelihood of you making a claim to an insurance company in future, a loading fee may be applied to cover this risk.

iLi works with specialist impaired life insurance partners, and our comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best policy so that all of your insurance requirements are met.

Which companies offer fibromyalgia life insurance?

iLi works with many of the UK’s leading fibromyalgia life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one fibromyalgia life insurance broker. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:

– A great price for fibromyalgia life insurance
– Substantial cover for yourself and your assets
– An insurer with a detailed knowledge and compassionate understanding of your condition

Further cover for fibromyalgia life insurance

Critical illness cover

A critical illness policy pays out a lump sum to you if you are ever diagnosed with a critical illness such as cancer. If you have fibromyalgia, you should still be able to apply successfully for critical illness cover. Acceptance and premiums will depend on the severity of your condition. If you have severe pain often, and your condition affects your ability to carry out everyday tasks, you may be offered a policy with higher premiums.

iLi’s policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today. We take the hassle out of trying to find affordable life insurance and critical illness cover with fibromyalgia.

Help and support

For more information on fibromyalgia, visit the following links:

Fibromyalgia Action UK
Versus Arthritis
Or visit one of our Impaired Life Leads dedicated websites.

At iLi, we can find you a caring and compassionate insurer that understands your condition and needs. We also like to save you money, and make the purchasing of life insurance as quick and simple as possible. To get started, fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for fibromyalgia life insurance.

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