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Chronic Fatigue Syndrome Life Insurance

Searching for life insurance with Chronic Fatigue Syndrome? The Insurance Surgery are specialists in finding the right life cover for people with Chronic Fatigue Syndrome, so contact us today for your free quote.

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 cover to protect your family if you pass away, then you need to consider some factors. Chronic Fatigue Syndrome life cover 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 cover and other conditions have been declined elsewhere yet we are still able to get cover because of our experience and knowledge.

How Chronic Fatigue Syndrome insurance works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

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.

Critical Illness Cover

It is possible to get critical illness cover for Chronic Fatigue Syndrome, however, you will need to provide information regarding your CFS and your health.

In all applications you will be asked to provide information on your condition, and how it affects you on a day to day basis with additional information on the full extent of the types of symptoms you experience.

Chronic Fatigue Syndrome 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 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.

Income Protection Insurance

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.

Coarctation of the Aorta life insurance

Underwriters assessing life insurance for those with coarctation of the aorta will consider the following:

Underwriting for professional football players seeking life insurance cover will depend on the following factors. Insurers may request more details on the following:

Your age

Your current weight and lifestyle

The date of your initial diagnosis

Any other associated health conditions such as heart attack or stroke

Associated congenital conditions such as heart disease

Whether you have high blood pressure

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

Following these considerations, an insurer will normally be able to inform you of the kind of policy you will be eligible for based on your circumstances.

Generally speaking, if you have coarctation of the aorta but your symptoms do not require treatment and you have never been in hospital for surgery as a result of your condition, you should be eligible for a ‘non-rated’ life insurance policy.

However, if you have had an angioplasty procedure to correct your condition, and you are suffering from symptoms in line with it, you may be considered a higher risk for life insurance, and could pay a higher premium than someone with no symptoms. An insurer will likely request medical records from your doctor to confirm your details and to offer you the best policy available.

At The Insurance Surgery, we have helped many people find the right coarctation of the aorta life insurance cover for their needs. Ratings for an individual seeking life insurance with coarctation of the aorta can vary depending on their individual circumstances, so it is important that you approach the right insurance provider that understands the nature of your condition.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

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.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Does a HIV test affect life insurance?

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

Does life insurance cover HIV?

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Do you offer advice on travel insurance with HIV?

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

How Can The Insurance Surgery Help?

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Chronic Fatigue Syndrome Life Insurance

Chronic Fatigue Syndrome Life Insurance

What age were you when you were diagnosed with Chronic Fatigue Syndrome (ME)

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

How Chronic Fatigue Syndrome insurance works:

Age at diagnosis

Severity of symptoms

Type of medication/treatment

Effects on limbs, joints or mobility

Other medical conditions

Critical Illness Cover

Income Protection Insurance

Coarctation of the Aorta life insurance

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*