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Life Insurance

If you have fibromyalgia you should have no concerns applying for Life Insurance. The Insurance Provider that you apply to will likely contact your GP to establish the severity of your condition and any other medical conditions that contribute to your general well being. Fibromyalgia can be treated with quite strong medication including anti-depressants for their pain killing affect, and the Insurance Provider will want to make sure that they have a complete picture of your health before offering you life cover.

Companies will look at the condition differently and the final price offered will depend upon the severity of the condition. If there has been associated depression then the price offered may be slightly higher with certain providers.

If the condition is mild to moderate and does not have a large impact on your daily activities you are likely to be accepted at normal rates with the right insurance company. If the symptoms are more severe and have a bigger impact on your life then a small to medium premium increase may be applied (depending on severity).

Get a Life Insurance Quote

Critical Illness Cover

As with life cover, just because you have fibromyalgia does not prevent you getting critical illness cover. If the condition is well managed then you are likely to have cover accepted at normal terms (i.e. no price increase). If the condition is more severe and has a big impact on your life then you may be presented with a small to medium premium loading depending upon the severity of your symptoms.

It should be noted that many critical illness plans have an additional benefit called TPD (Total Permanent Disability). This benefit pays out if you are to become totally and permanently disabled and are deemed never to be able to work again. TPD unfortunately is not available with Fibromylagia.

Get a Critical Illness Cover Quote

Income Protection

Unfortunately at this time Income Protection cover is not generally available for people with active fibromyalgia. If however you have fibromyalgia that has been dormant or with mild symptoms for many years there may be companies who will consider cover, but it could come with exclusions.

You may be able to look a non-medically underwritten policy like Accident, Sickness and Unemployment Cover whereby you are likely to be accepted with no medical questions however anything linked to your fibromyalgia will be excluded.

Get an Accident, Sickness and Unemployment Quote

Possible Effects on Lifestyle

Some problems that can be experienced by individuals who have fibromyalgia can be

  • Social anxiety
  • Physical and emotional isolation
  • Relationship problems - inability to hold hands, hug or have sexual relations
  • Difficulty getting comfortable due to changes in pressure on the body - a car or chair that was comfortable one minute may feel unbearable to use the next
  • Fibro fog - a persistent headache that emulates a migraine

Medications and Treatments

  • Codeine/Paracetamol
  • Dihydrocodeine
  • Eucalyptus/Terpineol/Methyl salicylate/Menthol/Camphor
  • Ibuprofen
  • Ketoprofen
  • Naprosyn
  • Naproxen
  • Paracetamol
  • Tiaprofenic Acid
  • Tramadol hydrochloride

Client Reviews

The Special Risks Bureau has been rated 5.0 out of 5 based on 116 reviews.

Review by on

My wife has fibromyalgia and we really struggled to get life and critical illness cover with many firms not understanding the condition at all. Alan really helped us out and his knowledge and experience with the condition was very impressive. Would highly recommend this company. - 5 Stars

You can read more of our reviews here.

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Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Fibromyalgia is a chronic pain condition that has no cure and no clearly defined cause. A popular theory is that pain signals within the brain of fibromyalgia sufferers have become over sensitive, central sensitisation, causing a hypersensitivity to the world and an inability to shut off from external stimuli. It is also believed that elevated levels of substance P that surrounds the brain and spinal cords could be a contributing factor.

Fibromyalgia is diagnosed through a doctors examination of patient sensitivity to the stimulation of specific pressure points. Fibromyalgia is often not an overly 'visible' illness and it can be very difficult for family members and friends to appreciate the amount of pain that a simple handshake or hug can cause. As well as severe pain fibromyalgia can cause low mood due to the inevitable pain caused by general day to day activities.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research