Can you get life insurance with fibromyalgia?

Yes, you could get life insurance with fibromyalgia syndrome (FMS).

Factors such as 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 could find life insurance for people with pre-existing medical conditions by comparing our best deals from a panel of major insurers as well as smaller specialists through our advised team.

Our dedicated team understand the importance of having the right life insurance in place should the worst happen, so we always work hard to find suitable polices 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. 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 Fibromyalgia UK » Get Quotes

Free life insurance quotes for applicants with fibromyalgia

Why take out life insurance?

Life insurance can provide some financial support for your loved ones when you pass away.

Life insurance pays out a cash lump sum or regular monthly payments upon your death, which can be used to help cover various costs such as:

  • Mortgage or rental payments
  • Childcare and/or other education costs
  • Family living costs such as household bills, food shops, transport & clothing
  • Funeral expenses (average cost of a UK funeral is £4,141[1])
  • An inheritance for loved ones

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.

How much life insurance do you need?

Find out how much life insurance may be right for you by using our simple calculator. Fill in the costs you would like your policy to cover.

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£121,687 is the estimated average outstanding mortgage per household in the UK.

Our property is generally the largest financial commitment any of us will make.

Your life insurance should cover this significant debt should you no longer be around.
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According to Money Advice Service, full-time childcare in the UK now costs £242 a week.

The loss of a parent could result in the need for additional childcare whilst the surviving parent increases their hours to account for lost income.

Your life insurance cover should factor in this additional required outgoing.
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The average level of debt (minus a mortgage) in the UK is £15,385.

Factoring in any outstanding debts in your name when arranging life insurance ensures this burden is not passed to loved ones.
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You may wish to leave your loved ones an inheritance or lump sum gift upon your passing.

Factoring in the gift amount when arranging your cover will ensure the pay out amount will be sufficient to provide your loved ones with this selfless gesture.
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According to SunLife, the average cost of a UK funeral is now £4,417, whilst the total cost of dying is £9,493.

This is a 130% increase over the past 16 years and shows no signs of slowing down.

A significant cost which should be factored into the amount of life insurance you secure.
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If you are one of the 65% of the UK who are lucky enough to have savings, this could be used as protection if you were to pass away.

Any pay outs from existing life insurance policies and investments can also be used as financial protection for your loved ones if you were no longer around.

Factor this into your required cover amount.
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Your total cover estimate

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How does fibromyalgia affect life insurance?

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 could still be possible to secure cover protection for your loved ones, however, the outcome of your application will depend on various factors such as:

  • The severity of your symptoms
  • How the condition affects your daily life and work
  • Whether you have any other health problems

The table below shows the possible outcomes for different applicants with fibromyalgia based on the circumstances of their condition:

ApplicantCondition detailsPossible outcome
1Symptoms are mild, minimal impact on daily activities and work, no other health problemsCould be accepted with standard premiums, or accepted with increased premiums depending on the insurer
2Symptoms are mild, some impact on daily activities and work, no other health problemsCould be accepted but with increased premiums
3Symptoms are moderate, some impact on daily activities and work, other health problem presentMay be accepted but with increased premiums or may be declined. Could apply for specialist cover
4Symptoms are severe, impacts daily activities and work, other health problem(s) presentMay 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's advised team.

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.

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Applying for life insurance with fibromyalgia

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:

  • When were you diagnosed with fibromyalgia?
  • Are you taking any medication / receiving any treatment? If yes, which medication / treatment?
  • Do you need to use mobility aids to carry out daily activities?
  • Are you able to work? Have you taken time off work due to your condition?
  • How severe are your symptoms? Do they affect your daily life?

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.

How much is life insurance with fibromyalgia?

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:

  1. Age
  2. Health
  3. Lifestyle (e.g. smoking status)
  4. Occupation
  5. Weight (BMI)
  6. Family medical history
  7. Policy type
  8. Term length
  9. Cover amount (sum assured)

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.

Which is the best fibromyalgia life insurance?

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 a UK resident aged 50 - 85.

Fibromyalgia life insurance level term

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.

Fibromyalgia life insurance over 50s

Over 50s life insurance

This policy is available to UK residents aged 50 - 85 and provides lifetime cover. It guarantees a fixed pay out (up to £20,000 depending on your personal circumstances and budget) to loved ones when you pass away after the initial 12 -24 month waiting period.

Premiums start from just £5 a month + .

Fibromyalgia life insurance family income benefit

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.

Fibromyalgia life insurance whole of life

Whole of life insurance

As the name suggests, this type of policy provides cover for the rest of your life and pays out when and not if 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.

What if I’m refused life insurance due to fibromyalgia?

If you’re refused life insurance with one insurer due to fibromyalgia or other reason, this may not mean you can’t secure a policy through 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 companies as well as smaller specialists through our dedicated advised team to help identify those insurers who are most likely to offer you the best terms.

Make the most of our expertise by getting in touch today.

Can you get critical illness cover with fibromyalgia?

Yes, it could be 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:

  • Some cancers
  • Heart attack
  • Multiple sclerosis
  • Kidney failure
  • Stroke

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.

Is fibromyalgia a critical illness?

Generally, no. Fibromyalgia isn’t usually listed as a critical illness that’s covered by critical illness cover by most insurance companies.

Can I claim critical illness for fibromyalgia?

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.

Expert support for life insurance and fibromyalgia UK

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 you the right cover at a price within your budget.

Our FCA-regulated broker service is fee-free, so enquire today.

About Fibromyalgia syndrome (FMS)

Fibromyalgia syndrome (FMS)

  • Fibromyalgia is a long-term condition that causes musculoskeletal pain all over the body, fatigue, sleep problems and other symptoms
  • It’s predicted that between 1.8 million and 2.9 million people in the UK have fibromyalgia and it commonly develops between the ages of 25 and 55[2]
  • The exact cause of fibromyalgia is unknown, but it’s thought that it can be triggered by a traumatic event, such as a serious injury or infection[3]
  • There’s no known cure for fibromyalgia, but it can be treated with medication, exercise, and talking therapies such as Cognitive Behavioural Therapy (CBT)

Sources:

[1] https://www.sunlife.co.uk/funeral-costs/

[2] https://versusarthritis.org/about-arthritis/conditions/fibromyalgia/

[3] https://www.nhs.uk/conditions/fibromyalgia/causes/

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