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Hi everyone, we have Alan Knowles back with us and we are taking a look at how living with chronic fatigue syndrome can influence your options for life insurance, critical illness cover and income protection. 

Chronic fatigue syndrome or ME (myalgic encephalomyelitis) is a long term condition that can cause significant tiredness, pain, brain fog, sensitivity to light and many other things. Approximately 1.3m people are living with the condition in the UK and it can alter your options for insurance, especially critical illness cover and income protection.

The key takeaways:

• Most critical illness policies will exclude any claims for Total Permanent Disability
• It is likely that most options for personal income protection will not be available, but there are alternatives
• Two case studies of arranging life insurance for people who are living with chronic fatigue syndrome

Next time it will just be me doing the podcast and I will be focusing upon protection and IHT case studies.  

Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors NextGen Planners.