Feefo Trusted Service Award 2018

MS Life Insurance

We're the experts so let us do the hard work
Making life insurance and travel insurance
affordable for everyone...

Get a Quote

Multiple Sclerosis Life Insurance



How it works:

The following factors are the main considerations for underwriting Multiple Sclerosis Insurance applications:

  • Type of MS
  • General Symptoms
  • Medication / Treatment
  • Diagnosis (Age)
  • MS linked complications

The Insurance Surgery is a leading MS Life Insurance expert and we assess each client's circumstances individually to identify which providers will offer the best premiums / cover for you.

Case Study 1

  • Client: Female
  • Age: 46
  • Smoker status: non-smoker
  • Medical condition: Secondary progressive multiple sclerosis
  • Cover date: 19th June 2019
  • Product: Level life insurance
  • Cover amount: £95,000
  • Cover term: 10 years
  • Premium: £37.73

We were approached by this lady on the 19th February 2019 when she completed an enquiry through our website. Our advisor Sam P then called her to discuss her pre-existing medical conditions and her life insurance needs. At this point she disclosed that she was a non-smoker with secondary progressive multiple sclerosis (SP MS) and was looking for £190,000 of MS life insurance for mortgage cover. Sam then took this information and applied to one of our specialist providers for her, he successfully found her a quote for £190,00 pounds of cover. Unfortunately, due to the fact that she has SP MS with fairly significant symptoms the premium quoted was outside her budget, especially as her condition means that she cannot work. As a result of this, and following discussions with the client, they decided to reduce the amount of cover to £95,000 so that it was within her budget; Sam secured her £95,000 of cover over a 10-year period for £37.73. This is a great premium given her medical history and her current symptoms. She was delighted that we were able to secure her some protection that was within her budget, as she now knows that if she were to pass away unexpectedly then her outstanding mortgage would be reduced to a level that would mean it would be affordable for her dependents to manage and continue to live in the property.

As a whole, we were delighted to get this lady the protection that she needed, unfortunately we she could not afford the full amount of cover that she initially wanted, but we did manage to secure her some protection that she did not have previously. We love helping people to get the cover that they need and we are passionate about helping as many people as we can to get the protection that they thought would have been impossible to achieve.

Case Study 2

  • Client: Male
  • Age: 48
  • Smoker status: Non-smoker
  • Medical condition: MS, Type 2 Diabetes and raised cholesterol
  • Cover date: March 2020
  • Product type: Life Cover
  • Cover amount: £50,000
  • Cover term: 20 years
  • Premium: £38.64

We were approached by this gentleman in March 2020 when he completed an enquiry through our site. Our advisor then received his enquiry and got in touch with the gentlemen to discuss his life insurance needs and his pre-existing medical conditions. At this point he disclosed that he was looking for £100,000 of cover over 20 years, and that he has mild MS, type 2 diabetes and raised cholesterol which he takes medication for. Our advisor then took this information and researched the best provider for him. He then contacted the gentleman with some quotes, however unfortunately, due to the combination of MS and type 2 diabetes, the premiums for £100,000 of cover were out of the gentleman’s budget, so he decided to reduce the cover amount to £50,000. Therefore, on the 21st March 2020 our advisor managed to secure the gentleman £50,000 of cover over 20 years for a monthly premium of £38.64. This is an amazing premium considering the fact that MS and type 2 diabetes add a significant loading onto the premium, as well as the added risk of raised cholesterol.

Overall, we were overjoyed with the outcome as the gentleman now has the peace of mind that if he were to pass away, his family would be protected. The gentleman was also pleased with the result as he now has the protection that he previously did not have, and he has peace of mind that his family are protected.

Case Study 3

  • Client: Female
  • Age: 51
  • Smoker status: Non-smoker
  • Medical conditions: Secondary progressive MS and anxiety
  • Product type: Life Cover
  • Cover amount: £20,000
  • Cover term: 10 years
  • Premium: £30.14

We were approached by this lady on the late 2019 when she completed an enquiry through our website. Our advisor Greg then called her to discuss her life insurance needs and her pre-existing medical conditions, at this point the lady disclosed that she has secondary progressive MS and anxiety, and that she was looking for cover for 20 years for a maximum premium of £50 per month. Greg took this information and researched which provider would be best for the customer. He then applied to one of our specialist providers and retrieved a few quotes for different amounts of cover. As secondary progressive MS can be a very difficult condition to obtain cover for, the premiums can be subject to a relatively significant increase. Given her budget the client chose to take cover for £20,000 over 10 years, for a monthly premium of £30.14. This is a very good premium considering the lady’s difficult medical conditions as well as a few smaller medical issues that she has had throughout her lifetime. Furthering this, we also managed to secure cover for her partner, meaning that she could reduce the amount of cover that she needs.

Overall, this is a great outcome as it can be very difficult to find cover for someone with secondary progressive MS and we were delighted to be able to find protection for someone who previously struggled to find life insurance.

Most Common Questions:

Generally, there will be some sort of impact on your life insurance premiums if there is a history of MS in your medical history due to the risk factors for underwriters. There are a number of considerations which will be taken into account that will determine the size of any premium loading and any restrictions to term. Most insurance providers will look at:
  • Type of MS (i.e. Relapsing Remitting, Secondary Progressive, Primary Progressive etc.)
  • Date of Diagnosis
  • Walking aids (which used and how often)
  • Date of the last relapse
  • Any restrictions to daily living
There are some insurance providers in the market now that may offer Critical Illness Cover for people who suffer from MS, depending on the severity of your condition. There may be exclusions applied to your MS Critical Illness Cover policy so it is important to understand what exactly is being offered to you. Our team of experts will search the whole insurance market for you to find the best cover for you and your family.
Not at all! Our team of expert advisors is used to dealing with clients who have been declined in the past and we have a proven track record of being able to obtain cover where others have failed. Usually, you will have been declined in the past because the company that dealt with you previously does not specialise in pre-existing conditions and does not understand your condition enough.
We have been helping people with pre-existing medical conditions to obtain cover since 1999 so have years of expertise and we have helped thousands of families, individuals, and businesses to get the cover they need. Our team of experts knows exactly how the life insurance underwriting market works and can identify which providers are best for you and your circumstances.
But we would say that… don’t just take our word for it! Read our Reviews on Feefo

Independent Reviews at


Facts about Multiple Sclerosis:

Multiple Sclerosis (MS) is a neurological condition and therefore is linked to activity in the brain and spinal cord, it is also a chronic condition (life-long) as there is currently no cure. It is caused by damage to the nerves where the immune system attacks the coating of the nerves (called myelin) which is a fatty protein.

The meaning of Multiple Sclerosis:

Sclerosis: Meaning the scarring or toughening of small sections of tissue.
Multiple: Relating to the fact that the effects occur in several areas around the brain and spinal cord.

MS Statistics (UK):

  • Life expectancy is currently 5 to 10 years lower (and falling thanks to medical advances)
  • Estimated 107,000 people living with MS (2012)
  • Diagnosis levels increasing by 2.4%per year
  • Most common age of diagnosis is 40's and 50's
  • Most common in females (72% are women)

Symptoms of MS:

The effects of Multiple Sclerosis can be incredibly varied from one person to another which can also cause issues in completely different areas of the body.

Most common symptoms are:

  • Eyesight: Blurred vision
  • Walking: Difficulty walking or use of walking aids
  • Fatigue: Feeling tired or weak
  • Bladder: Difficulty controlling bladder
  • Muscles: Spasms or stiffness
  • Coordination: Problems with balance or coordination

The frequency and severity of symptoms (attacks) will depend on the type of MS (see below) and this can come in certain periods and gradually increase in severity over time.


Types of MS:


Over 8 in 10 people who have been diagnosed with MS have this type.

The name comes from the fact that the person with this type of MS will suffer attacks / episodes called relapses, which tend to last for several days, weeks or even months. The recovery period will usually be a similar period of time. The periods in between these episodes are known as 'remissions' and these can last for years at a time.

Primary Progressive

Only around 1 in 10 people with MS begin with a steady increase of symptoms.

Primary Progressive MS is where the symptoms increase in severity steadily over a period of several years with no periods of remission between attacks. There are periods where the condition / symptoms are seen to stabilise, however.

Useful Links

MS-UK: http://www.ms-uk.org/
MS Trust: http://www.mstrust.org.uk/
MS Society: http://www.mssociety.org.uk/
NHS Choices: http://www.nhs.uk/Conditions/Multiple-sclerosis/Pages/Introduction.aspx

For more information about MS Life Insurance or to speak to one of our team of experts simply complete our simple online application form or call FREE on 0800 083 2829

Below is our summary of how Pre-Existing Medical Conditions may affect your insurance needs.

The cost of obtaining life insurance when you live with Multiple Sclerosis will vary greatly dependent on several factors. The main questions life insurance companies will need answering will be, the type of Multiple Sclerosis you have, the severity of your symptoms, your age when the Multiple Sclerosis was diagnosed and the frequency of your attacks. It may be possible to obtain life insurance for a small increase in premium but there is also a possibility, in the most severe of cases, that cover could be declined.
As Multiple Sclerosis is classed as a Critical Illness it is unlikely you will secure this type of cover. We do however have alternatives to the classical Critical Illness Insurance policies for clients with Multiple Sclerosis.
If you live with Multiple Sclerosis and require an Income Protection insurance it can be difficult to arrange. We have access to specialist policies that offer both long term and short term cover but your Multiple Sclerosis would generally be excluded as would any other related conditions.
Cover for chronic conditions such as Multiple Sclerosis would generally be excluded from a Private Medical Insurance policy. It may be possible to secure the cover with a Health Cash Plan or other specialist policies. 

Have you tried to obtain travel insurance for your Multiple Sclerosis and felt that you have to continually repeat answers regarding your condition for each quote? Well, we may have the solution. Try our Travel Insurance Wizard and you will be asked questions regarding the Multiple Sclerosis a single time. You will then be provided a range of travel insurance quotes from over 20 providers, simply choose the most appropriate cover and buy online in minutes.
If you approaching retirement and have a Personal Pension Plan you should explore the option of an Impaired Life Annuity. If you have Multiple Sclerosis you will receive preferential annuity rates that can significantly boost your income in retirement.


Click here to speak to one of our Protection Advisors 


Multiple Sclerosis Life Insurance related News

photo 1449495169669 7b118f960251

The Insurance Surgery Ltd is rated 4.9/5 based on 1477 reviews. Read our reviews

I thought I wouldn't get life cover with critical illness cover because of my MS, but the insurance Surgery offered just that, so I am a happy client. 4.9

Specialist and Free Advice from a team of experts

Speak to our team of experts to find out how much we can save you today...

Call 0800 083 2829

Monday to Thursday: 8:30am - 8:00pm Friday: 8:30am - 5:00pm

Request a callback

Arrange a callback