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MS Life Insurance

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Multiple Sclerosis (MS) Life Insurance

The Insurance Surgery is a leading Multiple Sclerosis (MS) Life Insurance expert. We assess each client’s circumstances individually to identify which providers will offer the best premiums and cover for you. Our clients often find it challenging to identify insurance providers that offer Multiple Sclerosis Life Insurance. It can be even more challenging to compare quotes and premiums, which is where we come in. We have extensive experience of helping many people with Multiple Sclerosis to find the right Life Insurance policy.

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How MS Life Insurance Works

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

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

We answer your most frequently asked questions.

Generally, there will be an impact on your Life Insurance premiums if you have a history of MS. This is due to the risk factors for underwriters.

There are a number of considerations which will be taken into account. This is to 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
  • Any hospitalisation
  • Any medication

There is an insurance provider that may offer Critical Illness cover for people who suffer from MS. This is dependent on the severity of your condition, when you were diagnosed and the date of the last relapse.

However, there may be some providers who can offer you MS Critical Illness cover with exclusions applied. 

It is important to understand what exactly is being offered to you. Our team of experts will search the insurance market to find the best cover for you and your family and make sure you know of any exclusions in your policy.

That doesn’t matter at all, many of our customers have been declined elsewhere. Our team of expert advisors are used to dealing with clients who have been declined in the past. We have a proven track record of being able to obtain cover where others have failed. Usually you’ll have been declined when an insurer doesn’t specialise in pre-existing conditions or understand your condition.

We have been helping people with pre-existing medical conditions to obtain insurance cover since 1999. We have years of expertise and have helped thousands of families, individuals and businesses to get the cover they need. Our team of expert insurance brokers know exactly how the life insurance underwriting market works. They can identify which providers are best for you and your circumstances.

Don’t just take our word for it though! You can read our fantastic reviews on Feefo, Trustpilot and Google.

Case Studies

Facts About Multiple Sclerosis:

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

The meaning of Multiple Sclerosis:

Multiple: Relating to the fact that the effects occur in several areas around the brain and spinal cord.

Sclerosis: Meaning the scarring or toughening of small sections of tissue.

MS Statistics (UK)

  • Life expectancy is currently 5 to 10 years lower than average (but this is improving thanks to medical advances)
  • 110,000 people estimated to be living with MS (2020)
  • Diagnosis levels increasing by 2.4% per year
  • Most common age of diagnosis is 40’s and 50’s
  • Most common in females (272 female cases versus 106 male per 100,000)
  • Females in the 50-59 age group are 3x more likely to suffer from MS than males of a similar age

Symptoms of MS

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

Most Common Symptoms Are:

  • Blurred vision
  • Difficulty walking or use of walking aids
  • Feeling fatigued, tired or weak
  • Difficulty controlling bladder
  • Muscles spasms or stiffness
  • Problems with balance or coordination

The frequency and severity of symptoms (attacks) will depend on the type of MS (see below). Attacks usually happen periodically and gradually increase in severity over time.

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Types Of MS:


Over 80% of people who have been diagnosed with MS have this type. The name comes from the fact that sufferers will experience attacks / episodes called relapses.

Relapses can last for several days, weeks, or months and 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 10% of 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. There are no periods of remission between attacks. There are periods where the condition / symptoms are seen to stabilise, however.

Useful Links

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
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Below is our summary of how MS may affect your insurance needs.

The cost of obtaining specialist insurance when you live with Multiple Sclerosis will vary greatly dependent on several factors.

The main questions life insurance companies will need answering are:

  • The type of Multiple Sclerosis you have
  • The severity of your symptoms
  • Your age when the Multiple Sclerosis was diagnosed
  • The frequency of your attacks

It may be possible to obtain Life Insurance for a small increase in premium. There is also a possibility, in the most severe 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 Income Protection insurance it can be difficult to arrange. We have access to specialist policies that offer both long term and short term cover. However, 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.

The Insurance Surgery has partnered with Staysure. Staysure are one of the UK’s most trusted Travel Insurance specialists for pre-existing medical conditions.

If you’re 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.

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