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Fibromyalgia Life Insurance

You may have found it difficult to secure life insurance with Fibromyalgia. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Fibromyalgia Life Insurance ?

The Insurance Surgery is a leading life insurance broker for people with pre-existing medical conditions such as Fibromyalgia. Our team of expert insurance advisers help people looking for Fibromyalgia life insurance find the best possible cover. Life insurance, critical illness cover and income protection are all designed to ensure that you and your loved ones or your business if you are self-employed, are financially secure if anything should happen in the future.

How Does Fibromyalgia Life Insurance work?

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!

Fibromyalgia life insurance underwriting is based on several key factors. They determine how much you will pay and the level of cover offered. These factors include:

Date of Fibromyalgia diagnosis

Severity of condition

Other related conditions

Medication or treatment being used

Any time off work

Last symptoms

Time in hospital

We are a leading life insurance expert for people with neurological conditions such as Fibromyalgia, Multiple Sclerosis and Epilepsy. Our team of advisers have secured cover for thousands of individuals, families and businesses. We help to protect their financial futures against loss of income through death, sickness or injury.

Critical Illness Cover

Fibromyalgia is one of the neurological conditions where critical illness cover is available due to the fact that it is generally milder and symptoms do not directly result in most critical illness claims (e.g. Cancer, Heart Attack etc.).

There are many applications for Fibromyalgia critical illness cover which are accepted at normal rates and even with no exclusions. Especially where there are no complications or issues.

Income Protection Insurance

Income protection for Fibromyalgia is available from several insurers and may be secured if you have been symptom-free for several years.

If you’ve recently experienced mild symptoms, Fibromyalgia will typically be excluded from
the policy. However, this exclusion can potentially be reviewed and adjusted if your circumstances improve in the future.

Fibromyalgia Life Insurance

It’s highly likely that The Insurance Surgery can secure Fibromyalgia life insurance cover for you at standard rates. The majority of Fibromyalgia life insurance applications that we see are generally accepted with no additional premium loading.

There may be a small loading in slightly more severe or advanced cases. In more severe or serious cases there may be an additional loading applied. This is when treatment / medication is stronger or anti-depressants are used.

Usually when underwriters assess an application for Fibromyalgia life insurance, a GP report or medical evidence will be required. This is to gather information about the individual and their condition. This enables life insurance underwriters to accurately assess the application and apply the correct terms.

Some insurance providers are better than others for Fibromyalgia life insurance and other neurological conditions. This is where our expertise comes in to ensure that we apply to the best specialist insurers for you.

If you have previously applied for Fibromyalgia life insurance and had cover accepted on special rates, been postponed or even declined then it will generally be worth reviewing your cover. Fibromyalgia life insurance rates and terms change regularly and could have improved in your case, or your health may have improved.

Fibromyalgia facts and statistics

Fibromyalgia is a chronic (long term) condition and the exact cause is unknown. It is thought to be caused by abnormal levels of certain chemicals in the brain and changes in the way the central nervous system perceives pain messages from around the body. In some cases, the condition appears to be triggered by emotionally or physically stressful events.

Symptoms of Fibromyalgia:

Aches and Pains (throughout the body)

Stiffness

Difficulty sleeping

Increased sensitivity to pain

Fatigue

Headaches

Problems with mental processes including concentration and memory

Facts about Fibromyalgia:

Affects 1 in 20 people approximately

7 times more women than men are affected

3-6% of the world’s population has Fibromyalgia

Generally develops in people aged 30 to 50 but can occur at any age

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

Fibromyalgia is a chronic condition (long-term) which is thought to be caused by levels of chemicals in the brain which are abnormal and differences in the way that the central nervous system perceives pain messages from around the body. It is not fully understood or defined that this is the actual cause at this stage so could change.

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.

Family

By Policy

Helpful Information

What Are the Most Dangerous Occupations?

Is Income Protection Insurance Worth It?

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

What is Income Protection

Is Income Protection Insurance Worth It?

Fibromyalgia Life Insurance

What Is Fibromyalgia Life Insurance ?

How Does Fibromyalgia Life Insurance work?

Date of Fibromyalgia diagnosis

Severity of condition

Other related conditions

Medication or treatment being used

Any time off work

Last symptoms

Time in hospital

Critical Illness Cover

Income Protection Insurance

Fibromyalgia Life Insurance

Fibromyalgia facts and statistics

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 beat the 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