Can I qualify for Life Insurance or Mortgage Protection if I have been diagnosed with Fibromyalgia?
I have good news. It is possible to qualify for life insurance if you have been diagnosed with fibromyalgia. However, the terms of your policy and the premiums you will pay may be affected by your diagnosis.
If you have been diagnosed with fibromyalgia, the insurance company may ask for more information about your condition and how it is being managed. They may also ask about any other medical conditions you have, as well as your family medical history.
Each insurer has different underwriting guidelines and may have different underwriting approaches when underwriting those with fibromyalgia.
If you have been diagnosed with fibromyalgia, the insurance company may ask for more information about your condition and how it is being managed. Some of the information they may request includes:
- When you were diagnosed.
- What symptoms you experience.
- Any medications / treatment you are taking.
- Does the condition affect your work schedule and your daily life.
- Do you suffer from depression or any other mental health conditions.
Once your fibromyalgia is well controlled and your condition is not severe, then you may be offered cover.
If you suffer from a more “serious” case of Fibromyalgia, the good news is that you may still be able to qualify for a traditional life insurance policy with an added ‘loading’ to the standard premium (this is an additional sum charged on top of their standard monthly premium to reflect their additional risk).
At OneLife Insure, we have access to all insurers in Ireland and some UK insurers too.
Our research process involves us contacting all these insurers to find out the best possible outcome for our clients.
We have up to date knowledge of the ever-changing landscape of underwriting for all providers in Ireland. What’s more, our advice comes at no obligation and with no hidden costs. You don’t pay us directly, but we do get paid by the insurer if you decide to start a policy with them.
Whilst you are welcome to get a quote online at Get a Quote – OneLife Insurance, we would recommend you speak to one of our advisers.
Any quote that our advisers provide will consider your circumstances and medical history, as well as your budget.
It’s worth noting that an online quote is just that – a quote – it is NOT an offer of cover. What really matters is the cover and the premium you are offered, after your application has been assessed.
Call us on 01-5390410 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.
Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success. If there is cover to be got for you, we will find it. All applications are subject to underwriting.