Dealing with a serious health condition, such as Multiple Sclerosis (MS), can bring about a multitude of concerns and challenges, one of which is securing life insurance cover. How does MS affect your ability to get life insurance, and what factors due insurers look at?

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What is Multiple Sclerosis?

Multiple Sclerosis (MS) is a chronic and often disabling disease that affects the central nervous system, including the brain and spinal cord. 

It occurs when the immune system mistakenly attacks the protective covering of nerve fibres, causing inflammation and damage to nerve cells. This can lead to a wide range of symptoms, such as:

  • Fatigue
     

  • Difficulty walking
     

  • Numbness or weakness in limbs
     

  • Vision problems
     

  • Cognitive impairment
     

  • Problems with thinking, learning and planning

MS is a progressive condition. Symptoms can worsen over time, and individuals may experience periods of relapse and remission. While there is currently no cure for MS, there are treatments available to help manage symptoms and slow down the progression of the disease.

Will I be able to get life insurance with MS?

It’s still possible to still buy life insurance even with MS. 

Though this can depend on aspects such as the development of the disease, current age, age at diagnosis, overall health and more.

Because MS is a complex condition, insurers may offer rates based on an applicant's specific circumstances.

How much does life insurance cost if you have MS?

Costs can vary depending on several factors. These include the severity of your condition, how it’s managed, your age at diagnosis, and your current condition.

Those with MS may be deemed higher risk by insurers because of the nature of the disease and the potential for disability. This could result in higher monthly premiums.

Is there anything else we can help with?

Is MS covered under critical illness insurance?

Critical illness cover is a type of protection that pays out a lump sum benefit if the insured is diagnosed with a serious illness, such as cancer, heart attack, or stroke.

While this will vary on the insurer, most consider MS a critical illness. However, it’s important to review the specific terms and conditions of the policy to ensure that MS is included in the list of covered conditions.

What should I consider when looking for life insurance with MS?

If you have MS, the process of buying life insurance can be a little different than for others. Instead, there are a few options worth taking beforehand.

Shop around

Shop around and compare different insurance providers. Each company may have their own underwriting guidelines and process. Getting quotes from multiple insurers can help weigh up the options available to you. Then it’s simply the case of selecting one that suits your needs.

Understand the policy terms

Carefully review the Ts & Cs of the policy, including any exclusions or limitations related to MS and other conditions. Some insurers may offer cover, but there may be specific criteria that must be met in order to qualify. In which case, you may have to go through a different insurer or opt for a different type of policy.

Consider a guaranteed life insurance

If you are having difficulty securing traditional life insurance due to your MS diagnosis, you may want to explore guaranteed life insurance. This policy does not require a medical exam, making it more accessible for those with pre-existing conditions.

There are a few options available, most popular is Over 50s life insurance

If you are under 50 years old, there may be other options available to you via our advisers. You can speak to one of our experts on 01392 436 193 (Monday - Thursday 9am - 5.30pm, Friday 9am - 5pm)

What will insurers ask about my multiple sclerosis?

When applying for life insurance with MS, insurers will typically ask about several factors regarding your condition. These factors may include:

  • Age at diagnosis: If you were diagnosed with MS at a young age, insurers may consider you to be at higher risk compared to someone who was diagnosed later in life.
     

  • Type of MS: Insurers may also ask about the type of MS you have, such as relapsing-remitting, secondary progressive, or primary progressive. Certain types of MS may be viewed as higher risk by insurers.
     

  • Progression of the disease: Insurers will want to know how your MS has progressed since diagnosis. If your symptoms have been stable or well-managed, you may be considered a lower risk.
     

  • Treatment: Insurers may consider the types of treatments you are receiving and how well they are managing your symptoms. If you are getting effective treatment, it could potentially lower your risk level.
     

  • Overall health: Insurers will also assess your health, including any other medical conditions you may have. Factors such as smoking, obesity, and family history of disease may also be taken into account.

It's important to be honest when disclosing information about your MS and overall health. Providing accurate details will help insurers assess your risk level more effectively and offer you appropriate cover.

How can I apply for cover?

For conditions such as MS, we recommend you request a callback for advice from one of our advisers. These are experienced advisers who can assist you in finding a suitable and affordable policy for your needs.

This is ideal if you would like an adviser to recommend the right life insurance policy for you. Or if you currently have or previously have had a pre-existing medical conditions. Speak to an adviser to get started.

Speak to the experts...

Give our advisers a call today.

Our team of friendly and professional advisers are on hand to help with any questions you may have regarding Life Insurance.

The advisers can also make recommendations tailored to your current situation and will research the market on your behalf, ensuring you secure the cover you need and supporting you every step of the way. 


01392 43 61 93(Monday to Friday, 9am - 5.30pm)

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