Life insurance with ME (Chronic Fatigue Syndrome)
It’s possible to secure life insurance with chronic fatigue syndrome but your eligibility and the price you pay may be impacted by your condition.
Information we need to be aware of:
- Date of diagnosis
- Any recent flare ups
- Any medication being received
- Any treatment being received
- Time taken off work as a result of your condition
- Any other medical / health conditions
Details regarding your condition are necessary during the application process for insurers to evaluate your eligibility and determine the price of the policy if offered.
The information you give will help insurance companies determine how much risk you pose, which affects your eligibility and premium cost.
Increased premiums may be applicable if you have a pre-existing medical condition.
Critical illness cover with ME (Chronic Fatigue Syndrome)
It is possible to secure critical illness cover with ME.
Similar to life insurance, you may experience inflations on your premiums. It is also likely you may have certain conditions that are linked to your ME that will be excluded from your cover.
Chronic fatigue isn’t commonly included in the list of covered conditions.
Critical illness coverage can be added to a term life insurance policy for an extra cost from many insurers.
To compare life insurance with critical illness cover quotes, kindly contact us.
Income protection with ME (Chronic Fatigue Syndrome)
It is still possible to obtain income protection with chronic fatigue syndrome.
During the application process, insurers will assess your personal circumstances to determine your eligibility and the price you’ll pay if you’re offered a policy, just like with other forms of cover.
Income protection is intended to provide financial support by paying a portion of your income when you can’t work due to health issues.
Exclusions may potentially be considered for chronic fatigue and associated conditions. This implies that you are unable to make a claim for these reasons.
Examine income protection policies from the entire market with the guidance of the NeedingAdvice team to discover the most suitable option for your individual situation.
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About the author
Damian Youell
Damian is the founder of NeedingAdvice.co.uk and the firm’s Senior Mortgage Broker. He specialises in helping clients across the UK with straightforward and complex mortgage cases, including self-employed applications, adverse credit, buy-to-let, remortgages and first-time buyer mortgages.
Alongside mortgage advice, Damian also supports business owners with protection planning, including Relevant Life Policies, Shareholder Protection and Keyperson Cover.
Read independent client feedback and verified reviews for Damian and the NeedingAdvice.co.uk team below.