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Life Insurance for Multiple Sclerosis

Find suitable MS life insurance to suit your circumstances when you get in touch with The Insurance Surgery. We can help you find the cover for medical conditions such as Multiple Sclerosis.

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What Is Life Insurance for Multiple Sclerosis?

Multiple sclerosis can be quite an unpredictable autoimmune condition, with some people affected by mild symptoms whilst others experience severe disabilities as a result of their condition. For this reason, those living with MS may seek out life insurance to protect the financial future of their family. From whole of life insurance to critical illness cover, there is a range of insurance possibilities available to those living with multiple sclerosis.

People may consider obtaining MS life insurance for the following reasons:

Pay the mortgage or rent

Provide an inheritance for named beneficiaries

Maintain your family’s living expenses (especially if you rely on two salaries)

Pay for education for your children

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How Does Life Insurance With MS Work?

STEP 1
Complete form
STEP 2
Speak to us about your needs
STEP 3
We’ll search the market
STEP 4
We recommend the best product to suit your needs
STEP 5
Tell us when you want it to start!

When you get in touch with The Insurance Surgery, you’ll be put in contact with one of our dedicated experts. During our initial conversations with you, it’s important that you share as much as you can about your condition. The severity of your MS can ultimately affect the cost of your premiums, so please be prepared to tell us how it affects your life and what you do to manage your symptoms. 

Your dedicated advisor will ask questions like:

What type of MS do you have? (i.e. Relapsing-Remitting, Secondary Progressive, Primary Progressive, etc.)

When were you diagnosed?

Do you have to use any walking aids? (which are used and how often)

Do you have any issues swallowing or eating?

Have you ever experienced memory loss?

When did you last have a relapse?

Are there any restrictions to your daily living?

Have you ever been hospitalised due to your MS?

Do you take any medication to manage your symptoms?

By taking the time to learn more about you and your health, we can identify whether you would fit into a standard life insurance plan or whether you may need a specialist policy.

Some insurers are better than others when it comes to life insurance with a pre-existing medical condition, which is why it’s important for us to gather as much information as we can. The more you can tell us, the easier it is for us to recommend the best MS life insurance.

Does Critical Illness Cover MS?

Whilst it is almost impossible, you can secure critical illness cover with MS if you haven’t had any symptoms for 10 years. While life insurance will only pay out once you’ve passed away, critical illness is a plan that will pay out while you’re still alive. This can support both you and your family if your condition means that you can no longer work.

Multiple Sclerosis critical illness plans will pay out a tax-free sum, which you can use for whatever reason you like: 

Paying off the mortgage or rent

Managing your outgoings if your health forces you to take time off work

Adaptations to your home to help improve your daily life (e.g. installing a wet room or downstairs bedroom)

Additional private treatment, rehabilitation or physiotherapy to help you cope with your symptoms

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  • 15 Minute Read Time

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Read More

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Read More

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

How Much Does Life Insurance for Multiple Sclerosis Cost?

The cost of life insurance is complex – particularly when it involves conditions with symptoms as varied as multiple sclerosis. After having a conversation with one of our advisors, we’ll have a better understanding of your condition, medical history, requirements, and how much payout you need. From there, we’ll be able to give you a clearer idea of how much you can expect to pay in monthly premiums. On top of the questions listed previously, our team may ask questions with regard to the following:

Age

BMI

General health

Smoker/vaper status

Pre-existing conditions

Family medical history

Policy length

For a clearer idea of the average cost of life insurance, visit our Guide.

Cost of life insurance for multiple sclerosis case study 1

Therese is 37 and lives with her partner and two young children. They rely on two incomes to manage their rent and other living expenses. Therese was diagnosed with MS at the age of 31 after suffering from fatigue, tremors and weaknesses in her hands. After an MRI scan, her medical history showed that three years prior, she had suffered from previous numbness and tingling, which indicated she has relapsing-remitting multiple sclerosis. Therese wants to protect her family, so she’s looking for life insurance with a term life of 35 years. She requires financial protection of at least £100,000

Therese would pay out £171.72 per year or a total of £6010.20 over the course of the policy’s term (35 years) in exchange for a potential £100,000 payout for her children.

Total Cover
Amount:

£100,000

Monthly Premium
Cost:

£14.31

Duration of
Policy:

30 years

ost of life insurance for multiple sclerosis case study 1.
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How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
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Call us on 0800 083 2829

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

30%

of people get life insurance due to becoming a parents

Forbes Advisor, 2025

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

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  • 15 Minute Read Time

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.  

Read More
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Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can I get life insurance if I have MS?

Yes, absolutely. Despite what you may know about life insurance, it is entirely possible to obtain life insurance with MS. Here at The Insurance Surgery, we’re experts at finding people with pre-existing medical conditions life insurance, so you can rely on us to find suitable coverage for you.

If you were diagnosed before taking out a policy, then yes, MS is considered a pre-existing condition. You will still be able to take out life insurance or critical illness cover, but your general health and treatment plans will impact your insurance premiums.

We always recommend speaking to a broker to make sure that you are matched with the right insurance company that understands the details of how MS is affecting your health.

Yes, it will, as long as there are no specific exclusions in your policy. Most people will not pass away due to MS, but it can cause serious complications. If you have already been diagnosed with MS before taking out your life insurance plan, your broker will explain the full details of any potential exclusions that could prevent a payout.

If this isn’t your first time looking for life insurance for multiple sclerosis, and your application has been rejected in the past, you may have been dealing with an insurer who wasn’t entirely familiar with your condition. When you work with The Insurance Surgery, you can rest assured that our experts know where to look for MS life insurance and can contact insurers who are more likely to offer coverage.

Insurance Surgery can offer tailored advice that is unique to your personal circumstances to help you obtain the best MS life insurance policy for your needs. With 25 years of experience behind us, we know exactly where to look for insurance when it comes to people with pre-existing conditions like multiple sclerosis.

You can rest assured that we’ll only recommend policies that genuinely meet your needs, so why not get in touch with The Insurance Surgery today? You’ll be in contact with just one dedicated advisor through the entire process, so they can really get to know your condition and your requirements.  

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Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829
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Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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