Hi,
Been diagnosed with ltd systemic sclerosis and fibromyalgia Jun 23, has had Raynaud's for a good 10+ years.
I'm currently looking at getting life insurance and have not been prepared for the difficulty! (Previous policy was done a long time ago prior to the change in my health.)
Applications were either declined by most, based on "medical", or offered extortionate monthly payments.
Has anyone been successful and can offer advice on which companies to consider please?
Many thanks!
Hi there, I'm 54, diagnosed in 2020. I have mild symptoms of Early Systemic Sclerosis With Limited Cutaneous Involvement, with Raynaud's. I'm not on medication, I'm fit, active and healthy, I work full-time and have no mobility issues. I have been rejected so far by AIG, Zurich and Aviva.
If people living with RA, Lupus, or Sjogren's Syndrome are able to get life insurance, then why can't we? Underwriters do not seem to understand what our auto immune disease is, or that it is a very broad spectrum disorder.
I think Prof Chris Denton at the Royal Free, and SRUK need to provide the Underwriters at the main life insurance companies training. Training fees could then be ploughed back into the good work that SRUK do.
More and more people are living with autoimmune diseases since Covid. It's' time these insurance woke up to this reality.
Thank you for your reply Birdlou! Your situation is the same as mine, apart from needing to take some meds for the Raynaud's. I agree 100% with you, my experience so far is from lay to specialist level medical people, a lack of understanding of the condition at all levels and how individual and broad it is. Incidentally, the insurers you mentioned has rejected me as well!
Thanks Beaglemum it reassures me that we are experiencing the same situation. & we are both living with the reality of this auto-immune disease that Medical Underwriters have a very narrow and limited understanding. Our 10 year survival is above >90% after all. It beggars belief! If I strike gold I’ll let you know!
You need to contact an Insurance Broker who specialises in Medical Inurance who will explain the many different Life .insurance policies that exist. Unfortunately, a lot of people buy what they think is the type of life insurance they think they need….them if the need arises the insurance they have bought is not what they should’ve bought.
Many thanks! Waiting for a call back today from their "expert in systemic sclerosis". We'll see.
With any insurance it’s always worth asking around…I always say I want to think about it….then call 1 or 2 others to see if I get the same advice. Hope you get what you need.
Thank you, is certainly what I've been doing and saying. Will post if I have any success!
🤞👍🤞
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All new to me! Help! 
