We are specialists in finding competitive Life Insurance for Multiple Sclerosis.
If you live with Multiple Sclerosis you may have experienced difficulty in obtaining life insurance. We are here to help you obtain the most competitive policy possible.
What is The-Insurance-Surgery.co.uk?
We are an independent company that sources Multiple Sclerosis Life insurance and insurance for other medical conditions. We can also help you find travel insurance and other financial products.
We are true experts in this specialist field and this is all we have done since 1999. Unlike other so-called Multiple Sclerosis Insurance Brokers we have a track record of well over a decade in helping people with Multiple Sclerosis find life insurance.
We are the official Multiple Sclerosis Insurance partners of the MS-UK charity and we have been mentioned by Which? magazine and Moneysaving Expert for our work in this area.
The Insurance Surgery is very proud of the high levels of customer service that we offer to our clients which can be seen on our Independent Reviews page.
How are you different?
We have gathered a huge amount of specialist knowledge regarding Multiple Sclerosis and life insurance. This information means we know which insurance companies are likely to provide the best rates for each individual. For example, some Insurance companies are good for Relaxing Remitting Multiple Sclerosis, some are good for Secondary Progressive we know, through our experience which is which!
Due to our expert knowledge, you will be guided to the right company for your personal circumstances and obtain the most competitive quote for your Life Insurance.
We also work with some of the major medical charities to help support their members such as the leading MS charity MS-UK.
What information do you need off me?
Initially, we will request basic information regarding your Multiple Sclerosis such as
- When you were diagnosed
- What type of Multiple Sclerosis you have
- What symptoms you experience
- How often you have attacks
If you are happy with your estimate we will make a formal application to the insurance company for your Life Insurance to obtain a guaranteed quotation.
Once we have this information we will complete our research and provide you with a free without any obligation estimate for your Multiple Sclerosis Life Insurance.
How do I obtain an estimate?
To obtain an estimate for Multiple Sclerosis Life Insurance simply click on the quote button above. This will create an enquiry form to take all the relevant details we need.
How much will Life Insurance cost with my Multiple Sclerosis?
Unfortunately, there is no easy answer to this question as it depends on various factors such as what type of MS you have, how long ago it was diagnosed, what symptoms you experience and how often.
Once you have spoken to us or completed our application form we will be able to provide you with a fast estimate of cost to see if you wish to progress further
Which company offers the cheapest life insurance for Multiple sclerosis?
This again is down to an individual basis as certain insurance companies offer excellent value for one type of Multiple Sclerosis but then are not competitive for another. Due to our position in this marketplace we are able to steer you to the right insurer for your circumstances.
What if I have already been declined Life Insurance due to my Multiple Sclerosis?
This may not be a problem as you may have just approached the 'wrong' insurer. We can look at your circumstances and explain your next options. We even have life insurance policies that will guarantee acceptance.
How much does it cost to obtain a Multiple Sclerosis Life Insurance quote?
Our services are free to you as the Insurance Company will pay us a commission for introducing the business to them. This means there is no cost to pay for yourself. We only receive payment from the Insurance company when wee find a policy you are happy with and wish to proceed.
What is Multiple Sclerosis?
Multiple Sclerosis affects more than 2 million people throughout the world and is a disease of the central nervous system involving the brain and spinal cord.
Multiple Sclerosis is caused by damage to myelin which is a fatty tissue that protects the nerves in much the same way as the plastic covering around an electric cable protects the wires. The myelin allows the nerve to transmit signals rapidly, therefore, resulting in body movements to be performed with minimal conscious effort.
With MS these signals cannot be transmitted as effectively as the myelin is lost and this causes the symptoms associated with MS. Where the myelin is lost the area can appear as a hardened scar. With MS these scars appear in various areas of the spinal cord and brain. The translation of Multiple Sclerosis is 'many scars'.
Symptoms of Multiple Sclerosis vary widely and can include tingling sensations and blurred vision through to very weak limbs and chronic fatigue.
Multiple Sclerosis Facts
- There is currently no cure for Multiple Sclerosis
- 50% for women have MS than men
- Types of MS include, primary progressive,secondary,progressive, relapsing-remitting and benign
- The exact cause of Multiple Sclerosis is currently unknown
- There are fewer cases of Multiple Sclerosis nearer the equator.
To obtain a FREE quotation simply complete our Enquiry Form for Life Insurance
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: Female
- Age: 51
- Smoker status: Non-smoker
- Medical conditions: Secondary progressive MS and anxiety
- Cover date: 2nd July 2019
- Product type: Life Cover
- Cover amount: £20,000
- Cover term: 10 years
- Premium: £30.14
We were approached by this lady on the 17th January 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.
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