I'm always cold even when other people say it feels fine, i have chills often, no fever. fatigue and heart palpitations sometimes too, what's up?

Cold,fatigue: Cold intolerance and fatigue may be caused by lack of body fat, underactive thyroid, anemia,low blood sugar, adrenal gland insufficiency and some medications. Wearing a heart monitor or having an EKG while you're experiencing palpitations are needed to determine the heart rate and rhythm at the exact time of your symptoms and only then can a physician advise you about them. Your MD can order tests