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MS life insurance Guide UK 2024

People with MS can get life insurance and it’s often a lot cheaper and easier to get than you might think. Life insurance pays out a lump sum to your loved ones if you die to help them financially after you’ve gone.

MS life insurance rates can vary dramatically from one insurance provider to another so it’s important to get proper advice from an expert. In this independent MS life insurance guide, will answer all of your most common questions and help you to understand more about finding cheaper cover to protect your family.

Often, people with pre-existing medical conditions like MS are put off applying for life insurance simply because they think it’s too expensive or not available at all. In reality, as long as you speak to a medical life insurance specialist then you should be able to get cover and save money.

A picture of a stopwatch

60-Second Summary – MS Life Insurance Guide UK 2024

Our independent medical life insurance experts provide you with the latest information about how to find the best and cheapest MS life insurance premiums in the UK. We’re constantly reviewing the life insurance market to provide you with the best and most up to date guidance to help you make the right decision for your cover.

  • MS Life Insurance terms are constantly changing in the UK and it’s important to get proper advice from a medical life cover specialist to have the best chance of paying a fair price for the right policy.
  • Life insurance underwriting for MS is based on the type of multiple sclerosis (e.g. Relapsing Remitting, Secondary Progressive, or Primary Progressive) and the severity of your symptoms.
  • Premiums for MS life insurance can vary dramatically from one insurance provider to another and so it’s important to shop aroud to make sure that you’re paying a ‘fair price’ for your cover.
  • Reviewing your existing MS life insurance policies can also help to save you money and it’s important to make sure that your cover is up to date and still fits your needs.

Lots of people are searching on the internet and asking the question, can get I life insurance with MS. Our team of medical life insurance specialists has been helping people with multiple sclerosis to get the right cover for over two decades.

Firstly, you should note that life insurance is definitely available for people with multiple sclerosis. The price you pay will ultimately depend on which insurance company you apply to and your own individual circumstances.

MS life insurance is available through several of the more common insurance providers as well as several specialist companies. There are two or three insurers who are particularly good for MS life insurance underwriting and generally tend to offer better terms.

MS will affect every person differently, as highlighted below in this brilliant video from MS Society below which explains a bit more about what MS is.

What is MS? | MS Society UK

Here are just a few of the main points and guidelines to help you to get the best and cheapest life insurance with MS.

This tends to be the least severe and the most common form of multiple sclerosis, which also means it’s often the easiest and cheapest for life insurance. It’s actually very rare that someone with relapsing remitting MS can’t get life cover, and premiums are generally only slightly higher than a standard life insurance quote.

As you’ll probably know, people who have relapsing remitting MS will only experience intermittent symptoms and sometimes no symptoms at all. Most insurance providers will offer cover for relapsing remitting MS, and there are at least two providers who offer very good terms for this type of cover.

Key factors for relapsing remitting MS life insurance:

  • Date of diagnosis
  • Regularity of symptoms (date of last symptoms)
  • Type of symptoms
  • Treatments and medication
  • Complications (e.g. Memory loss, walking aids etc.)

Generally you can only get life insurance with relapsing remitting MS, and critical illness cover or income protection insurance are not currently available.

Note: It is definitely advisable to get life insurance as soon as possible when you are younger and symptoms are less severe. You will find that premiums can significantly increase as you get older and especially if your symptoms get more serious.

If you’ve been diagnosed with secondary progressive MS, then it is still very possible to get life insurance and can be cheaper than you think. Life insurance premiums for people with secondary progressive MS will depend on your symptoms and your age.

One of the main things for secondary progressive MS life insurance is weather you use walking aids, your general mobility and your age. Premiums will generally be higher for this type of MS and you may need to get cover from a specialist life insurance provider.

Key factors for secondary progressive MS life insurance:

  • Do you use walking aids
  • Which type of walking aids do you use
  • How often do you use walking aids
  • How far can you walk independently without use of walking aids
  • Do you have any MS complications (e.g. Memory loss, numbness or tingling)

If you’ve been diagnosed with secondary progressive MS then you should speak to a medical life insurance specialist to have the best chance of getting cover. Your insurance provider will also ask to view a copy of your medical records which they will obtain from your GP. This is absolutely normal and won’t cost you a penny, nor should you have to get this yourself.

This is usually the most severe type of multiple sclerosis and can often be the most difficult for someone to get cover. That being said, it is still possible to get life insurance if you’ve been diagnosed with primary progressive MS.

Often, people with primary progressive MS would also need to get life insurance from a specialist provider. This doesn’t mean that the quality of the cover is lower or that there are restrictions and risks with this type of cover, it’s simply because specialist insurers are generally better in this situation.

Your mobility and the severity of your symptoms will play a big part in whether life insurance is available and how much your premiums will be. By getting proper advice from a medical life insurance specialist you should save significant time and money.

There are also several alternative types of life insurance for people with primary progressive MS if traditional life cover is not available. If you’ve been refused life insurance in the past because of your MS then you should definitely speak to a specialist.

A life insurance policy will pay out a lump sum to your loved ones if you die and that should not exclude any pre-existing medical conditions. This therefore means that life insurance should pay out even if you have MS before you get cover or during a policy.

The only potential issue here is if you take out life insurance and you do not disclose that you have multiple sclerosis on your application. This obviously only applies to people who have already being diagnosed with MS before applying for life cover.

If you’re diagnosed with multiple sclerosis after you take out life insurance then you don’t even need to tell your insurance provider. You should automatically be covered for anything that you are diagnosed with after you have taken a policy out.

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Traditional life insurance premiums are based on several key factors, including your health and any pre-existing medical conditions. This means that people with MS and other neurological conditions will often pay a higher premium.

You should also be aware that premiums for life insurance with MS can vary dramatically from one insurer to another. You can pay as much as double or even treble for your life cover if you take out life insurance with the wrong company.

Below is an example of an MS life insurance policy that was arranged by our specialists in September this year. This example shows an actual live policy for a real life situation where we have arranged life insurance for a customer with multiple sclerosis.

Details of applicantMr C. was born September 1988 and was an ex-smoker (gave up more than 12 months ago)
Multiple sclerosis details and informationDiagnosed with relapsing remitting MS 16 years ago (age 20 approx.).
Has some mobility issues and was using a wheelchair and stick sometimes. Treatment for his MS was Techfidira.
Other health informationHeight: 5’10” / Weight: 12st4
Cover requirementsMr C. wanted £186,000 mortgage life insurance (decreasing term) over a 35 year term to protect his mortgage for his family if he dies.
Premium£31.55 per month
Guaranteed premiums
No exclusions
Standard insurance provider

As you can clearly see from the example shown above, MS life insurance premiums can be extremely reasonable and affordable. This applicant was able to get the life insurance that they needed to protect their mortgage and their home for their family over the next 35 years for only £31.55 per month.

If Mr C. had applied for this cover with another broker or a non-specialist then it’s likely that they would be paying far more for the same cover, or may even have been refused.

According to figures from the leading multiple sclerosis charity, MS-UK, there are over 150,000 living with the condition in the UK currently. It is also estimated that 7,100 people are diagnosed with MS every year in the UK.

The average life expectancy for someone with MS is only 7 years shorter than the average life expectancy in the UK currently.

We also have one of the most comprehensive panels of TOP RATED life insurance partners to make sure that you get the BEST cover for LESS. It’s important for us to understand where to get the best rates for every single one of our customers.

Some insurers are simply better than others when it comes to certain medical conditions, like multiple sclerosis, and that’s where our expertise comes in.

A man and woman walking in the woods on an Autumn day and the caption 'MS Life Insurance - complete guide 2024.Read our latest independent guide about Life Insurance for people with MS"

If you need to protect your family, home, or business then there are several options that could be extremely useful if you get diagnosed with multiple sclerosis. Here’s some information about how this can help and how it works if you were to be diagnosed with MS in the future if you have life cover.

YES – Although life expectancy is not particularly short for someone with MS (usually only 7 to 10 years less than average), it is still possible that MS could cause serious health problems. If you have life insurance in place already then your family should receive a cash lump sum for them to help pay for certain things.

Life insurance is designed to provide your family with a benefit payable on death that can be used for:

  • Clear mortgage balance
  • Pay of debts
  • Pay rent
  • School fees
  • Standard costs of living

Most commonly people are diagnosed with multiple sclerosis between the ages of 20 and 40 as well as being more common for those who are related to someone with the condition.

If you’re concerned about this and need more information then you can speak to one of our team of friendly experts to find out more. Life insurance can be confusing for many people and especially for someone who is concerned about a specific medical condition, so it’s worth getting some free advice.

Multiple sclerosis is one of the 7 most common conditions that is covered by the vast majority of standard critical illness cover policies.

In most cases, you should find that an existing critical illness cover policy will payout for someone who is diagnosed with multiple sclerosis as this is a core condition. Very rarely would you find that MS is not covered by this type of policy, but it is worth checking your policy documents or speaking to your insurer?

There are some circumstances where MS might be excluded from a critical illness cover policy such as:

  • Family history of MS (if you took a policy with a family history of MS)
  • Pre-existing MS (where you already had been diagnosed with MS)

A critical illness cover policy is designed to pay out a cash lump sum when you are diagnosed with a severe medical condition such as MS, and payments can be used for:

  • Cost of living for a period of time
  • Adjustments to your home
  • Treatment to help your conditions
  • Paying mortgage or rent payments

You should ideally consider getting critical illness cover as young as possible to reduce any complications from health risks and to get the lowest premiums.

If you’ve already been diagnosed with multiple sclerosis then you might have a different attitude toward life insurance and it’s potentially even more important to you. Here we consider what happens if you suffer from the condition already and how to get the best cover for less.

YES – in most cases you should be able to get some life insurance if you’ve got MS. The most important thing is to make sure that you only apply to insurers that are good for you.

There are some insurers who are much better for people with MS than others. You’d be surprised when you see the difference between a good insurance company and a bad insurance company for MS.

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We have also created a number of guides for the 3 main types of multiple sclerosis to help you to understand what it means for you specifically to get life insurance with MS in the UK.

Click the links below to find out more about your MS:

Often people will be given bad advice or be told that they can’t get covered because of their MS. If you’ve tried to get life insurance before and had a bad experience then it can be frustrating.

You’ve got options when it comes to getting life cover and often they’re quicker and cheaper than you might think. Just because someone has said that they can’t help, doesn’t mean that cover isn’t available.

You can get life insurance accepted instantly with MS, so in some cases, you might not need a medical report. Most insurance companies will ask to see a report from your GP, but there are some that won’t need it.

The reason insurance companies want to see your medical report is to verify the status of your health. Some more complicated conditions such as MS can be difficult to offer from an answer on an application form.

It is possible in some circumstances to get instant cover, such as:

  • Relapsing-remitting MS
  • No walking aids
  • No issues eating or swallowing
  • No memory issues

In some circumstances, it is possible to get life insurance instantly without the need for medical evidence for someone with multiple sclerosis.

To begin with, you’ve got to understand which insurance companies are good for people with MS. You can cut the cost of cover dramatically just by applying it to the right companies.

The best way to keep your life insurance premiums low is to apply for cover as young as possible. If you wait until later in life then rates will naturally be higher and the risks of further health problems are greater.

Some other things that you can do to reduce your premiums are:

  • Smokers: Quitting smoking can significantly lower premiums
  • Weight: Reduce your BMI may have an impact
  • Cover: Take the right cover for what you need

Multiple Sclerosis (MS) can cause a wide range of symptoms and can affect any part of the body. Each person with MS is affected differently, and the symptoms are unpredictable. Some people’s symptoms develop and worsen steadily over time, while others find their symptoms come and go. Periods, when symptoms get worse, are known as “relapses”.

The video below helps to highlight some of the initial symptoms you may experience with multiple sclerosis and how MS can impact on your day to day life.

My First Multiple Sclerosis Symptoms | My Journey With MS

Symptoms of MS range from fatigue, depression, mobility issues, pain, muscle spasms, vision problems, and speech and swallowing difficulties. If you suffer from MS, taking out MS life insurance cover may be worthwhile.

If you suffer from MS and need life insurance or critical illness cover, then you will need to provide insurers with information about your condition. Insurance underwriters will assess your application for MS life insurance based on the following:

  • The type of MS you have
  • General symptoms and their severity
  • Medications or treatment is undertaken
  • The age you were first diagnosed
  • Any underlying health complications

Your premiums for MS life insurance will also depend on:

  • Sum assured (£’s)
  • Term of cover (years)
  • Type of insurance policy (e.g. Family, Mortgage, Whole of Life, etc.)

You will get different rates or premiums from different insurers, so the best way to save money is to speak to someone that knows which insurer is best for you.

It’s fair to say that not all multiple sclerosis life insurance applications are simple or straight forward so there can be challenges. We’d like to share some of the common problems that we have to overcome when applying for life insurance with this condition. It’s important to remember that just because you have a medical condition, that shouldn’t mean that you can’t get or can’t afford life insurance.

  • Mobility: People with MS can often use walking aids such as sticks, crutches, or chairs depending on their symptoms or type of MS. If you use walking aids then we’ll find the best insurer for you based on the equipment you use and how regularly.
  • Complications: Some of the main difficulties connected to MS that would come upon a life insurance application are problems eating, breathing, or memory issues. Again these are all relatively common and shouldn’t stop you from getting covered with the right insurance provider.

If you’ve applied for life insurance in the past and either been declined or told that cover will be unaffordable then speak to us. As specialist insurance brokers, we can provide life insurance cover for many more people than many other insurance companies, and we pride ourselves on going the extra mile for our clients.

There are several options when considering which life insurance product is best to protect your family. The main focus is to make sure that your family has the right cover in place and that it’s affordable for you.

The main types of policies that can be used to protect your family for someone with MS are:

Each of these policies should be available to most people who suffer from MS and you will need to consider which is best for your requirements and which is affordable.

There are a number of medical conditions that are commonly linked to MS or that can be caused by it, these include:

  • Acute Disseminated Encephalomyelitis (ADEM)
  • Balo’s Disease
  • Hashimoto’s thyroiditis
  • HTLV-I Associated Myelopathy
  • Inflammatory Bowel Disease (IBD)
  • Psoriasis
  • Schilder’s Disease
  • Transverse Myelitis

Some of the most common questions that people ask about living with MS or what the condition is, include:

What are the first signs of MS?

There are several common early signs that you might be developing symptoms of multiple sclerosis, such as:

  • Impaired vision
  • Numbness or tingling sensations
  • Spasms
  • Fatigue
  • Dizziness
  • Bladder problems
  • Sexual problems
  • Cognitive issues

What is the life expectancy for someone with MS?

Someone diagnosed with MS is not generally at risk of early death, other than where there are severe or serious complications.

Most people who have been diagnosed with MS will live a long and relatively normal life, although the average life expectancy is likely to be between 5 and 10 years lower on average.

How serious is MS?

While multiple sclerosis is not fatal, there are many potential issues with coordination, balance, and possible disability (needing walking aids or wheelchairs).

The disease can progress into several stages that can cause more severe restrictions to daily living, such as secondary progressive or primary progressive MS.

There are some income protection-style products that are available for people with MS and other pre-existing medical conditions. We’re continually searching for more products such as income protection to help people with multiple sclerosis because of the restrictions that insurers put in place.

Income protection is something that can be important to someone with MS, so there are some options available. We’ve sourced several unique products that will pay out for some time if you’re unable to work due to sickness or injury. Some people wrongly assume that people with MS don’t work which we know isn’t the case, which is why we’ve worked hard to offer cover.

MS doesn’t mean that you can’t work and people with mild symptoms can function normally, so we want to make sure you’re protected.

Over the years, we’ve found several products that are exclusive to insurance experts like us because of the work we do. You should speak to one of our team of experts about it, and we’ll be happy to tell you what’s available to you and how much this will cost you each month.

Other types of insurance with MS

Useful resources

Here are some of the most useful resources and charities that we could find to help people looking for further information or assistance in living with MS.

NHS Choices – Multiple sclerosis

MS-UK – Charity

MS Society – Charity

MS Trust – Charity

MS Research – Charity

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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