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Chronic Fatigue Syndrome Life Insurance

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Chronic Fatigue Syndrome Life Insurance

Our team of insurance experts has been working with and helping people with pre-existing medical conditions to get cover since 1999, such as for Chronic Fatigue Syndrome life insurance, critical illness cover and income protection. We work with thousands of people and families every year to help them get the right cover as well as help them to save money on their insurance premiums regardless of their health, occupation or extreme sports. People with Chronic Fatigue Syndrome looking for life insurance, critical illness cover or income protection as with other forms of health issues will find that insurance offers may vary dramatically from one insurance provider to another which is why it is so important to speak to an expert such as The Insurance Surgery.

How Chronic Fatigue Syndrome insurance works:

For those who have been diagnosed with Chronic Fatigue Syndrome and need life insurance, critical illness cover or income protection to protect themselves, their families or their homes, they will need to provide additional information such as:

  • Age at diagnosis
  • Severity of symptoms
  • Type of medication/treatment
  • Effects on limbs, joints or mobility
  • Other medical conditions

The Insurance Surgery is a leading Chronic Fatigue Syndrome life insurance, critical illness cover and income protection specialist with many years of experience helping people with this condition to get the right cover and to save money on premiums. Contact one of our team of experts to find out how we can help you to get the cover you need to protect your family, home or business.

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Chronic Fatigue Syndrome Life Insurance

If you have been diagnosed with a long term (chronic) medical condition such as Chronic Fatigue Syndrome (or ME) and you need life insurance to protect your family if you pass away, then you need to consider some factors. Chronic Fatigue Syndrome life insurance terms will vary from one insurance provider to another which is why it is so important to speak to an expert who understands how Chronic Fatigue Syndrome life insurance underwriting works for each insurer.

Some of the main factors that will be considered for your Chronic Fatigue Syndrome life insurance application will be things like:

  • What age were you when you were diagnosed with Chronic Fatigue Syndrome (ME)
  • Have you suffered any mental health issues due to your condition
  • How often are your symptoms and how severe are they
  • Does your condition affect your daily living
  • Have you taken any time off work because of Chronic Fatigue Syndrome

We speak to a lot of people with a wide variety of pre-existing medical conditions looking for cover, such as with Chronic Fatigue Syndrome life insurance and a considerable number of those clients have been refused cover by other companies. It is important to remember that just because you have been declined cover elsewhere because of your medical history, that does not mean that all insurance companies will not offer cover. The majority of applications that we submit for Chronic Fatigue Syndrome life insurance and other conditions have been declined elsewhere yet we are still able to get cover because of our experience and knowledge.

 

Chronic Fatigue Syndrome Critical Illness Cover

It is possible to get critical illness cover for Cerebral Palsy which will all depend on how severe are your symptoms and whether you have had any recent attacks. In all applications you will be asked to provide a copy of your medical records from your GP or specialist to provide underwriters with a full view of your medical history and your health. Whether you are offered terms for Cerebral Palsy critical illness cover will be dependent on your condition at the point of application and your recent health based on your age etc.

Cerebral Palsy critical illness cover can be offered with a number of different outcomes as well which can be anything from a premium loading where the level of risk is increased or you could be offered cover with certain exclusions relating to your condition. Insurance terms for Cerebral Palsy critical illness cover can vary dramatically which is why it is important to speak to a specialist who understands how underwriting works for various insurance providers and therefore can direct you towards the most suitable provider.

 

Chronic Fatigue Syndrome Income Protection

The vast majority of mainstream or high street insurance providers currently do not offer Chronic Fatigue Syndrome income protection due to the related risks which could impact your ability to work long term without having to have time off because of your condition. There are some specialist insurers who would consider cover for Chronic Fatigue Syndrome income protection depending on the severity of your condition and your overall health.

Case Study 1

  • Client: Female
  • Age: 38
  • Smoker status: non-smoker
  • Medical conditions: Chronic fatigue syndrome (myalgic encephalomyelitis)
  • Cover date: 19th June 2019
  • Product type: Life insurance
  • Cover amount: £200,000
  • Cover term: 30 years
  • Premium: £13.13

We were approached by this lady on the 19th June 2019 when she completed an enquiry on our website. Our advisor Alex then contacted her to discuss her life insurance needs and any pre-existing medical conditions. At this point she explained that she is a non-smoker with chronic fatigue syndrome (myalgic encephalomyelitis) and was looking for £200,000 of life insurance cover for 30 years so that she could leave something behind for her family. Using this information, Alex then applied her to one of our mainstream providers and managed to secure her £200,000 of chronic fatigue syndrome life insurance for 30 years for a monthly premium of £13.13 on the 19th June 2019. This is an amazing result as the lady was covered within hours of her call and now has the peace of mind that her family will be protected if she were to pass away unexpectedly.

Overall, we were delighted to have helped this lady to get the protection that she needed, especially with a condition that can have symptoms as wide-ranging as chronic fatigue syndrome. We were especially delighted that we were able to get her covered so quickly, which was due to the fact that her symptoms are comparatively mild and therefore the provider did not need a doctor’s report, which would have taken up to 6 weeks to complete – or longer in some cases.

Case Study 2

  • 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.


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If you have been diagnosed with a pre-existing medical condition such as Chronic Fatigue Syndrome and you need life insurance, critical illness cover or income protection then you should speak to one of our experts to see what we can do to help. Our team of experienced specialist insurance advisers have worked with a wide range of clients with hundreds of different medical conditions to help them to get the right cover and to save them money on premiums.

 

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