Life insurance is a must for everyone. But is it difficult to get life insurance for people with fibromyalgia? And are there better and cheaper options if you already have one?
I have Fibromyalgia, can I get life insurance?
Yes of course. It is based on when you were diagnosed, how much pain you have, what kind of medication you are on and the activities of daily living you do. 99% of people with fibromyalgia are able to get life insurance.
What Type of Life Insurance is Best for People with Fibromyalgia?
Term Life Insurance
Term life insurance is usually the cheapest. It has an expiration date that lasts typically from 10 to 30 years. It is recommended for people who need life insurance who do not have the income for permanent life insurance. If you are unsure, always start with term life insurance and conversion to permanent life insurance is a possibility as well.
Permanent Life Insurance
Permanent life insurance is life insurance that lasts your whole life. It is much more expensive than term life insurance but you will be able to get rates that are more consistent over the life of your policy.
I already have life insurance, can I get better and cheaper options?
Yes, 100%. It is almost certain you will save as there are literally many more insurance providers such as National Family Assurance that can give you a more competitive rate. They are giving you free no obligation fibromyalgia insurance quotes today.
What Do Life Insurance Companies Look For?
Thankfully, fibromyalgia does not affect your life expectancy. So it is certain that you can get reasonably priced life insurance.
- How Severe is your Fibromyalgia?
First and foremost, a life insurance company will evaluate the severity of your condition. They will review your medical information to determine on how bad it is: mild, moderate, of severe.
- Treatment History
They will also want to know information such as the medication you are on and what your daily routine is like; whether you are going for regular check-ups and if you are on any regular treatment.
- Other Health Conditions
As mentioned, fibromyalgia will not cause you from getting life insurance or to get a higher rate. However, there might be an issue when you have other conditions that are more serious.
Finding the Best Life Insurance For You
The best thing you can do is work with agents that can find you the best rates out there. Since they can find you great rates from dozens of life insurance companies, you will save both TIME and MONEY.
Today, you can get free instant life insurance quotes from National Family Assurance, click on the link below to save!