chronic fatigue syndrome

Will chronic fatigue syndrome affect my life insurance?

Here at, we come across many differing types of illnesses and conditions to negotiate a path to a successful life insurance application.  Some have a more severe impact than others on peoples’ general daily living and many are well known conditions. Chronic Fatigue Syndrome or ME (myalgic encephalomyelitis) as it is also known, is a condition that can have a huge impact for sufferers and their ability to live an active life. It is also a condition that is perhaps less familiar to the general population, which can lead to it being somewhat misunderstood. In insurance terms this can be a major problem for a sufferer, especially if they find themselves dealing with a broker who is trying to arrange life insurance on their behalf, but who is both unfamiliar with the condition and does not understand its implications.

Chronic Fatigue Syndrome is most commonly diagnosed between the mid-twenties and forties. This is typically when people are most likely to source life insurance, as it coincides with the time in life when people are starting families and have young children, have larger financial commitments like mortgages to protect, and have not yet been able to build up rainy day reserve funds to support themselves or their families if they become unable to work for a period of time due to illness or incapacitation.

Read on below to see how trustured can help you today.

Do you suffer from chronic fatigue syndrome? Does this sound familiar?

Through our experience of working with customers who suffer with chronic fatigue syndrome, we have become well aware of how frustrating it can be to successfully find a life insurance and/or critical illness cover policies that are competitively priced. Furthermore, we often speak to customers who tell us they have been turned down for insurance from a provider who they have approached directly or through a broker. These people tell us they commonly feel they have not been able to adequately explain their condition in a way they feel presents it most accurately in an insurance application which of course is a great cause of frustration.

With symptoms of chronic fatigue syndrome being so varied in their nature it can often be the case that these along with the effects of the condition on a potential life insurance applicant can be miss represented or disclosed within and life insurance and/or critical illness cover health and lifestyle application. For this reason, if you are one of the thousands of CFS sufferers in the UK, it is vitally important that you speak to a broker who understands the condition when attempting to arrange a life insurance or critical illness cover policy.


What information will I need to provide if I suffer from chronic fatigue syndrome and want to apply for life insurance or critical illness cover?

As is typical with any medical disclosure within a life insurance application, all insurers will want to ask you questions specifically surrounding the condition to try and get a better idea of what risk they consider it poses to them within the context of offering an insurance policy.

It’s is very important that you provide as much information as requested and that the information you give is as accurate as possible. This means ensuring that dates for important events such as when you were diagnosed or when particular treatments started are accurate. Insurance providers will also ask questions about how the condition effects your daily living. In particular they will ask what you are no longer able to do that you once were, and they will also ask what parts of your body are most affected and to what severity. Time off work or if you have had to stop work will also be relevant within a health and lifestyle questionnaire, so making sure the timescales are correct is worth double checking.

How can Trustsured help if you suffer from chronic fatigue syndrome?

Well, firstly we have both a working knowledge of the condition and the affects of chronic fatigue syndrome on sufferers due to our past customers which has allowed us to get a deep understanding of how to best approach an enquiry for a life insurance or critical illness cover policy. We also have a panel of insurers to choose from and an understanding of how each may view an application specific to an individual. It’s important to note that not all insurers will view an application in the same way and it’s entirely possible that one insurer might increase a price significantly or even decline and application from a CFS/ME sufferer when another would offer insurance and at a much cheaper price.

As there can be such a variation between both individuals personal circumstances and how our panel of insurers would view them, at trustsured, we always take the time to firstly allow our customers to explain in full the circumstances surrounding their chronic fatigue syndrome in terms of symptoms and affects on their lifestyle, medications and treatments and any other implications it may have had on their life such as being the cause of depression or anxiety.

What happens next?

Once we have a full understanding, we are then able to talk our customers though their options including what products are available and what the costs will be. We always encourage our customers to take away any quotations we offer to give them full consideration before they make any decisions on what options they may wish to peruse. We can send out all quote information together with supporting documents that explain how the cover works in detail by email so that everything is there to allow our customers to make an informed decision in their own time. All of our customers have a dedicated case manager who will walk them through every step of an application should they choose to proceed with an insurance policy and complete a health and lifestyle questionnaire. In some cases, an insurer may ask for further medical information from wither the applicant directly or their GP. If this is the case, the dedicated case manager is there to explain who it all works and follow up all parties involved to ensure as swift a conclusion as possible.

So, if you are like many of out past customers and suffer with chronic fatigue syndrome and would like to discuss what options may be available to you for life insurance or critical illness cover, get in contact with us here at trustsured. Simply complete your details in one of the ‘get a quote’ tabs and let us know when is best to contact you. Our offices have flexible working hours allowing us to call you in the evenings and at weekends so you can discuss the details of your personal circumstances with us in comfort and privacy. Our aim is to make the entire process as easy as possible and to take the hassle out of getting your life insurance sorted!