Multiple Sclerosis Life Insurance

Life Insurance for Multiple Sclerosis: Finding the Right Protection

If you’re living with Multiple Sclerosis (MS), you may be worried about finding suitable and affordable life insurance. It’s true that many standard insurance providers may see MS as a higher risk, potentially leading to increased premiums, or even outright refusal of cover. At Your Life Protected, we understand these challenges and are committed to helping you find the right life insurance policy for your specific needs.

Why Securing Life Insurance with MS Can Be Challenging

Multiple Sclerosis is a complex neurological condition, and insurers often see this as a risk factor. Some of the specific challenges include:

• Perceived Long-Term Health Risks: Insurers may be concerned about the unpredictable nature of MS and its potential impact on long-term health.
• Varied Symptoms: MS can present is many ways, given that some symptoms of the condition can be much more severe than others, Insurance companies will always look to increase the premium to cover the associated risk. Symptoms can include fatigue, numbness & tingling, dizziness, balance problems, memory loss and confusion, mobility issues, recurrent infections and difficulty swallowing, along with many more.
• Medication and Treatments: Many medications for MS work by suppressing the immune system, which in turn can lead to other health problems. Insurance companies often factor this in during the underwriting process.
• Limited Options: Some people may think cover is completely unachievable due to the complexities involved with MS, but in many scenarios, this is not the case.

Understanding the Different Types of MS

Multiple Sclerosis manifests in different ways, and understanding the different types is important for your life insurance application. The main types of MS include:

• Relapsing-Remitting MS: Characterized by clear relapses (flare-ups) with periods of partial or complete remission (recovery). This is the most common type of MS.
• Secondary Progressive MS: Usually follows RRMS, where relapses and remissions are replaced by a steady progression of the condition.
• Primary Progressive MS: Characterized by a gradual worsening of symptoms from the outset, with no distinct relapses or remissions.

How Your Life Protected Can Help

We specialize in helping people with pre-existing conditions like Multiple Sclerosis to find comprehensive and affordable life insurance. We have extensive experience in dealing with insurers, and in finding the best policies, regardless of a client’s specific medical circumstances. Here’s how we can make the process easier:

• Expertise and Knowledge: Our team has extensive experience working with individuals who have MS, and we understand all the key information which insurance providers will need.
• Access to Specialist Insurers: We work with all the leading UK insurers, including those that specialize in providing cover to individuals with pre-existing conditions.
• Personalised Approach: We understand that no two cases of MS are the same. We take the time to fully understand your situation and scour the market to identify the best policy for your circumstances.
• Direct access to underwriters: We have direct access to underwriting departments at all the insurers we work with, this enables us to discuss your situation without going through lengthy application forms.
• No-Obligation Quotes: We offer a free, no-obligation quote service, allowing you to explore your options without having to commit to any specific product.
• Simplified Process: We aim to make the often complex and stressful process as easy as possible for you, handling all the most complicated elements.

Key Information Insurers May Ask About

When applying for life insurance with MS, you should expect to be asked about the following:

• Date of Diagnosis: When were you officially diagnosed with Multiple Sclerosis?
• Type of MS: What type of MS do you have?
• Symptoms: What symptoms you experience and how often are they?
• Medication: What medications are you taking to manage your condition?
• Mobility: What is your current level of mobility?
• Complications: Have you experienced any other complications from your MS?

It’s important to provide accurate and comprehensive information, so we can get a fair and reasonable assessment from providers.

What Products Can I Get With MS?

The type of cover available to those with Multiple Sclerosis is generally the same as for all other applicants. We can help you secure:

• Level Term Life Insurance: This type of policy provides a lump sum of money should you die during a set term.
• Decreasing Term Life Insurance: This type of policy is designed to reduce along with a repayment mortgage and will pay a lump sum should you die within a set term.
• Whole of Life Insurance: This policy will pay out a lump sum, whenever you die. This type of cover will last your entire lifetime, rather than a set term.
• Family Income Benefit: This policy will provide a monthly benefit to your family should you die within the set term.

Ready To Get Started?

Don’t let MS prevent you from getting the life insurance protection you need. Contact Your Life Protected today for expert guidance, free advice, and a no-obligation quote.

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