Fibromyalgia life insurance

First, the medical point, because it matters to how you are underwritten. Fibromyalgia is not a form of arthritis. It is a chronic widespread pain condition that affects how the body processes pain signals, and it does not damage the joints the way rheumatoid or psoriatic arthritis can. It often sits alongside an arthritis diagnosis, which is why insurers ask about both, but it is assessed as its own condition.

Fibromyalgia doesn't show up on a blood test, and generic application systems don't handle it well. What insurers actually assess is the effect: how your symptoms run, how they affect your work and daily life, what treatment you're on, and your wider health. Someone working, managing their symptoms, and stable on their treatment is a real and placeable application, whatever the internet told you.

One thing we'll always be straight about: income protection is the difficult product for fibromyalgia. Policies often exclude claims related to the condition, and some insurers won't offer it at all. We will never sell you a policy while hiding what it won't do. Life cover, on the other hand, is a much more open door.