critical life insurance and fibromyalgia

juneville

Hi, does anyone know of any insurance companies that cover people with fibromyalgia. Because i'm on anti depressants, pain killers and muscle relaxants, oh and can't work due to pain, i am struggling to find someone to cover me. We are currently paying over £100 for it and want to save some money. Its to cover the mortgage as well. any suggestions would be great.

OshayAway

You need to use an IFA / broker who is willing to do some leg work for you. A good one will take some details then call the insurers underwritiers one by one to ascertain which will likely offer best term. This level of research can be very valuable as insurers vary considerably when it comes to how they asses certain conditions and therefore the percieved risk.

The difficulty is in finding someone willing to do the research as it is very time consuming.

Did you have this condition when you applied for your current cover?

juneville

no i didn't.but i apparently omitted some info on the original form so my claim has been declined. i prob had the condition then buth ave no proof - memory poor etc.
will try a broker for them to do leg work - mine aren't that good ha ha
thnaks

OshayAway

What was the claim for?

dunstonh

You will also need to disclose the fact that you had a claim rejected due to non disclosure. That may limit your choices even further.

juneville

thanks for your advice.:T i'm trying a local broker which they think zurich may help, also bupa, not sure which to go for.:(

juneville

OshayAway wrote: »

What was the claim for?

bein gunable to work, we only claimed tohelp withmonthly payments didn't know we had other insurance until they sent a nurse out to assess for permanent diability. when she came out i was hoping to return to work and everything would be ok - little did i know:(

OshayAway

juneville wrote: »

thanks for your advice.:T i'm trying a local broker which they think zurich may help, also bupa, not sure which to go for.:(

Why not apply to both for best terms?

juneville

OshayAway wrote: »

Why not apply to both for best terms?

is that allowed - will it not affect me. now i'm being thick - really i'm getting worse and confused with everything

OshayAway

juneville wrote: »

is that allowed - will it not affect me. now i'm being thick - really i'm getting worse and confused with everything

No, quite the reverse. It's a good way to 'hedge your bets'.

juneville

OshayAway wrote: »

No, quite the reverse. It's a good way to 'hedge your bets'.

:Tthanks for that, it great to get some advice from others