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Life insurance for Multiple Sclerosis

Can you get life insurance if you have multiple sclerosis? Absolutely. As life insurance experts, we will find the right policy to protect you and your loved ones.
Discuss your personal policy with a multiple sclerosis insurance specialist

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  • Access to high street and independent insurers
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Working with insurers across the UK

You want to be matched with the best life insurance provider. One that understands your multiple sclerosis diagnosis and a broker who takes the time to talk to you about how your condition affects you day-to-day.

We want that, too.

That’s why we focus on finding you the perfect policy that protects you and your family.
Our access to high street and independent insurers means that we can find the right multiple sclerosis life insurance policy for you.

All you need to focus on is your health.

Our Insurers.

What is Multiple Sclerosis, and how common is it in the UK?

Multiple Sclerosis (MS) is an unpredictable autoimmune condition.
It impacts your central nervous system, disrupting the information being sent from your brain to the rest of your body. There are different types of MS, with some people only ever affected by mild symptoms while others experience severe disabilities.

Some multiple sclerosis symptoms may include:

  • Fatigue or tiredness
  • Numbness and tingling
  • Loss of balance and dizziness
  • Stiffness or spasms
  • Tremors
  • Pain
  • Bladder or bowel problems
  • Vision problems
  • Problems with memory and thinking

According to the NHS, it is most commonly diagnosed in people in their 20s, 30s and 40s. However, it can be developed at any age. It is also three times more common in women than men. Currently, over 130,000 people in the UK live with MS, and an additional 7,000 people are diagnosed each year (source: MS Society)

Is MS a pre-existing condition, and will it affect life insurance?

Multiple sclerosis is a life-long condition that can seriously impact your health. Although it’s rarely life-limiting, some of the symptoms that you may suffer (such as chest or bladder infections or swallowing difficulties) could lead to further life-threatening complications.

Are you searching for life insurance after you’ve been diagnosed with Multiple Sclerosis? If so, you should tell your insurer because MS is a pre-existing condition.

But that isn’t something to worry about.

During our initial conversations with you, please tell us as much as you can about your condition. That’s because we know that MS is an unpredictable disease – you may be rarely affected by it, while others could have ongoing complications.

We want to know about your health and your treatment plans so we can share that information with the insurance underwriter.

Before you pick up the phone or request a call back from one of our multiple sclerosis insurance experts, it may help if you have the answers to the following questions.

  • 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
  • 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 pre-existing conditions, which is why we prefer to talk to you over the phone to find out as much information as we can. The more you can tell us, the easier it is for us to recommend the best life insurance provider for MS.

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Will life insurance policies pay out for MS?

Yes, they will. But to ensure that your insurance policy pays out, you need to be open and honest with your insurer from the very start.

Your life insurance policy is there to safeguard your family finances. If you pass away, your family will receive a lump sum from your insurer.

That money can be used for many different things, such as

  • 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

If you’ve yet to take out a policy but have been diagnosed with MS, it will be classed as a pre-existing condition. Some insurers may put specific exclusions in place based on your symptoms and your general health.

This sounds much scarier than it really is.

One of the reasons why our clients trust us is because we’ll always explain precisely what your policy means for you. We’ll talk about when it will pay out and what those exclusions could mean for you and your family.

We won’t ever expect you to know the full details of your policy terms and conditions.

After all, we’re the life insurance experts.

If you took out your life insurance policy before your diagnosis, it won’t impact your protection at all.

In fact, taking out life insurance when you’re young and in peak physical health is often the best way to make sure that your policy will always cover you and that your premiums remain low.

Talk to us about your MS insurance needs

What about critical illness and multiple sclerosis?

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.

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
  • A dream holiday to allow you to relax and recover from your relapse
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How much does life insurance cost when you have MS?

We know that you want the answer to this question, probably before you even pick up the phone.

But the reality is that life insurance costs are complex and built upon many different factors beyond your MS diagnosis.

Typically, insurers will base their premiums on essential information such as

  • Age
  • BMI
  • General health
  • Smoker/vaper status
  • Pre-existing conditions
  • Family medical history

Beyond that, premiums will depend on the type of life insurance plan you’re looking for, as well as how much financial cover you want from your insurance policy.

  • Whole life (which will last the duration of your entire life)
  • Term policy (a cheaper plan that is active for a pre-determined period)
  • Additional extras (such as critical illness or income protection)

With so many variables, it’s almost impossible to create an online calculator that will generate an accurate ballpark figure.

You deserve more than that.

That’s why our life insurance quotes take place over the phone. That way, there’s no ambiguity or misunderstanding—just a straight-forward price tailored to you and your family.

But we can give you some insights via a hypothetical situation.

Multiple sclerosis life insurance cost example #1

Therese is 37. She has two young children and lives with her partner. 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 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

Over 35 years, Therese would pay out £171.72 per year or a total of £6010.20 in exchange for a potential £100,000 payout for her children.

£14.31 per month | 30 years | £100k payout

Do you have any questions about your MS life insurance policy?

We know that when it comes to life insurance, policy text can be tricky to comprehend.
But our experienced multiple sclerosis insurance specialists will help you understand all the details.

We’ll answer all of your questions, and we’ll give you as much information as you need to feel confident that you’re getting the financial protection you’re looking for.

Our dedicated insurance specialists can answer any questions that you may have about life insurance if you have multiple sclerosis.

Whatever your situation, we can talk through all of the implications of multiple sclerosis life insurance. We’ll explain when it will (or will not) payout, and we won’t finalise any policy until we’re sure you fully understand what you’re taking out.

It’s our responsibility to make sure that you feel financially protected. And we take that responsibility seriously.

What’s more, if it comes to it, and your family needs to claim on your life insurance policy, or you need support in claiming on your critical illness plan, we’re here to help. Our end-to-end support means that we’re not just here to find the right policy for your needs. We offer help, advice and guidance to people who need to make a claim, from finding the right forms to confirming what your policy covers.

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Have you previously been declined for multiple sclerosis life insurance?

If you have been declined for life insurance because of your MS diagnosis, you will likely have been given incorrect information.

Multiple Sclerosis may be a severe condition, but it’s also insurable.

Typically, we find that people are turned down for life insurance because an algorithm doesn’t understand the information.

That’s why we steer clear of computer programmes or online insurance comparison websites.

We take the time to get to know you and find out the intricate details of your MS diagnosis. From there, we are armed with the right information to take directly to the insurance underwriters, giving them an accurate picture of who you are and what your health is like.

This dedicated approach is why 70% of people who have been turned down for insurance somewhere else are accepted by us.

Talk to one of our multiple sclerosis life insurance advisors if you have been turned down for insurance before. We can look into the reasons why you may have been turned down and find a way to help you get the protection you need.

Talk to us about your MS insurance needs

Can I get an instant quote for life insurance if I have multiple sclerosis?

We don’t offer instant online quotes for life insurance that covers multiple sclerosis because we take the time to learn about your health history.

Our approach is about finding the proper protection for you and your family.
We’ll ask you a range of questions, all of which are designed to help us match you to the perfect policy.

For example, we may ask

  • What type of policy are you looking for?
  • How much financial cover do you need?
  • How do you want a potential payout to be distributed?
  • Do you want the payout to be written as part of a Trust?
  • Do you have any other protection in place, such as enhanced sick pay or death-in-service benefits
  • What are your main priorities (e.g. budget, insurer track record, access to value-added services)

By talking to one of our trained advisors, we can learn more about you and figure out what kind of policy and level of cover is best for you.

We promise we’ll only recommend policies that meet your needs, so we need to find out what kind of policy you want.

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Need Advice Regarding Critical Illness Insurance?

We answer your most frequently asked questions.

Currently, over 130,000 people in the UK live with MS, and a further 7,000 people are diagnosed each year.

Multiple Sclerosis is typically diagnosed in your 20s, 30s or 40s and is three times more common in women than men.

The average life expectancy for people with MS is around 5 to 10 years lower than average (source: NHS). Thanks to improvements in diagnosis and treatment, the life expectancy gap is decreasing.

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

Yes, MS is a pre-existing condition if you have been diagnosed before taking out a policy. 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.

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If you have any further questions about anything to do with Life Insurance and protection for your family, please feel free to contact our team of expert Life Insurance advisors.
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