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Multiple Sclerosis case study - Mrs Jack (April '13)

The above client approached The Insurance Surgery looking for quotes for Multiple Sclerosis Life Insurance in March '13. The initial estimates were looking very promising for this particular client due to a number of factors relating to the condition and some favourable underwriting decisions.

After speaking to several of the mainstream Life offices underwriting teams, our expert consultants established that there were several possibilities and estimates were from £28 to £30 per month. These figures were especially good considering some additional medical disclosures and the fact that the term of the cover was 50 years

Case study details:

Cover applied for: Level Term (Family Protection)

Sum assured: £150,000

Term of cover: 50yrs

Medical condition: Multiple Sclerosis (Relapsing Remitting)

Age: 28

Smoker status: No

Height/Weight: 5'2"/8st2lbs

Medical info: MS (Relapsing Remitting) diagnosed 08/02, last attack 01/11, sometimes uses walking aids, Depression due to MS diagnosed '98

Estimates: £28-30

Premium: £21.65

Additional information: Premiums for MS Life Insurance came back even lower than original estimates which were amazing considering that there were additional factors in this case. The main things that went in the client's favour was that her MS was not severe and that she applied at such a young age. We were delighted with the outcome in this case!

For more information about Multiple Sclerosis Life Insurance or any of our products visit our home page or contact freephone 0800 083 2829 to speak to one of our expert consultants.


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