Polymyositis life insurance
Polymyositis (PM) is an immune condition that causes muscle pain or weakness and fatigue. Though this isn’t a life limiting condition, it is definitely worth thinking about how it could affect your life insurance and how life cover can help you.
Life insurance is a great and cost-effective way to protect your home and family. A life insurance policy provides vital financial support in the event of your death. Our team are experts in life insurance for pre-existing conditions like polymyositis. Our skilled experts can help you find the life cover you need at the fairest price.
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"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."
by Elizabeth Turner-Long - 9th August 2023
What is polymyositis?
Polymyositis is a form of myositis and is a rare immune system disorder. This is an autoimmune condition in which the body attacks healthy muscle tissues mistakenly leading to muscle inflammation (inflammatory myopathies) and pain. Polymyositis is often diagnosed with a blood test and physical exam and muscle biopsy, intended to rule out other conditions.
This condition affects muscle strength and causes symptoms such as:
- Muscle weakness (can lead to difficulty climbing stairs, lifting objects and more)
- Aching muscles
- Muscle pain
- Fatigue
- Difficulty sitting up or standing after a fall
- Depression or general feelings of unhappiness
Your symptoms may vary in severity and can progress, becoming more severe over time. Complications of polymyositis include respiratory failure and trouble with swallowing (dysphagia).
According to Myositis UK, polymyositis affects roughly twice as many females as males in the UK.
Will life insurance cover polymyositis?
YES – life insurance will cover you if you are diagnosed with polymyositis during your policy. There should also be a range of policies that can cover you if you already have polymyositis.
The key thing to remember is you must tell your insurance provider if you have polymyositis or another medical condition when you apply. Insurers want a full overview of your health before approving your policy. If you don’t disclose relevant medical information, you risk your cover being made invalid later.
Does life insurance pay out for polymyositis?
YES – if you were to die during your policy term, your life insurance policy will pay out a cash lump sum to your loved ones.
Standard life insurance won’t exclude medical conditions. If you have been honest about your health when you applied, your loved ones should have no issues receiving a pay out from your policy.
How does polymyositis life insurance work?
When applying for life insurance with medical conditions there are a few things you will need to keep in mind. On an life insurance application you will be asked questions about your general health and lifestyle. This includes questions about your age, weight, smoker status and more.
If you are applying for life insurance with polymyositis, you could also be asked some of the following questions:
- How long have you had polymyositis? When were you diagnosed?
- Have you been prescribed medication to treat your symptoms?
- Which muscles are affected by polymyositis?
In many cases, insurers could also request a GP report for further medical information. This is standard practice with life insurance applications and not something to be overly concerned about.
Can I get life insurance with polymyositis?
YES – it is very likely you will be able to get life insurance with polymyositis. It can be helpful though to make sure you are speaking to the insurers that best understand medical conditions and how they affect life insurance.
Each insurer has slightly different processes for life insurance underwriting and so some are simply better than others for people with medical conditions.
Symptoms of polymyositis can vary in severity over time. It is a good idea to apply when your health is good if you can, as this can help you access better rates.
Can I get critical illness cover with polymyositis?
YES – you should be able to get critical illness cover with polymyositis in most cases. If your symptoms are well managed, this can further increase your chances.
It is possible that the insurer will want to see further medical evidence when processing your critical illness cover application. This will usually be in the form of a GP report. The insurer will be able to access this on your behalf, so don’t worry about having to find this information yourself.
Critical illness cover can provide extra financial support for you and your family if you are diagnosed with a serious medical condition. You can use the lump sum pay out from your policy to cover expenses such as:
More about CRITICAL ILLNESS COVER.
How much does polymyositis life insurance cost?
How much you pay for your life insurance will be based on a range of different factors. Key things that can affect policy cost includes:
- The insurance provider (pricing can vary)
- Your current health and lifestyle
- Medical history/ medical conditions
- The type of life insurance e.g. term life insurance, whole life insurance
- Length of policy term (how long you are covered for)
- The amount of cover you need (£s)
If you experience severe symptoms because of polymyositis, insurers will also consider this when deciding on policy price. Speaking to the right insurance provider will be key in this situation to make sure you don’t pay more than you should.
How to save on polymyositis life insurance
It is important to decide on a budget before you apply for life insurance, so you have an amount in mind that you are happy to pay. If you are worried about cost, there are a few things you can do to lower the cost of your cover:
- Reduce the amount of cover needed (£s)
- Change the type of policy (term policies can be cheaper than whole life)
- Reduce your policy term (how long you are covered for)
- Review your current policy regularly (if your health has improved you might now have access to better rates)
The best way to ensure you don’t pay too much is by getting proper advice from an insurance expert before you apply. Our specialists can compare policies and prices across the whole market, to get you the best cover at an affordable price.
Medical conditions linked to polymyositis
Here, we have some medical conditions that are known to have a link to polymyositis.
- Depression
- Dermatomyositis
- Dysphagia (difficulty swallowing)
- Autoimmune disorders
- Cancer
- Diabetes
- Thyroid conditions
- Rheumatoid arthritis
- Lupus
- Scleroderma
- Myocarditis (heart inflammation)
- Osteoporosis
Expert advice for polymyositis life insurance
If you need advice about getting life insurance with polymyositis, you can speak to one of our friendly experts.
Our team are proud to be #1 rated in the UK for pre-existing medical conditions life insurance.
This means we are well equipped to help people with medical conditions like polymyositis find the cover they need at a reasonable price. With over 20 years expertise, we know exactly which insurers to approach in each situation, so you never pay more than you should.
Resources
Mayo Clinic – Polymyositis: Symptoms & causes
