Life Insurance
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
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
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.
How We Work
1: We contact you and take down your details, income outgoings, name, address etc.
2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.
3: You upload the documents and information needed via our channel our online portal.
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