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All you need to know about life insurance with MS

You might think because you’ve got MS that life cover won’t be available. Thankfully that’s generally not true and it could even be easier and cheaper than you think.

Living with MS can be stressful and difficult, without having to worry about things like buying life insurance. Getting the best and cheapest cover to protect your loved ones is important, so let us take the hassle away.

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“I made contact having seen the advert on Facebook, initially I wasn’t hopeful having responded to such ads ‘specialising’ in insurance for people like me with MS, only to discover that they would not cover me. This was not the case here, very easy, professional service with no hard sell, catering to my personal needs, wants, and wishes. An added bonus being the free will and trust service which I will be taking advantage of. I’ll also be making contact again in the future for mortgage advice.

Thank you for your assistance James Paul and Lauren Ryan, much appreciated.”

Heather Harris (August 2020)

Life insurance and MS

Over the past 20 years, we’ve helped thousands of people with MS to get life cover. It can seem pointless even trying to get cover or you might have applied before and been declined.

Don’t be put off trying to get life insurance… try speaking to an expert!


Here are some of the most common questions that we get asked

Can I get life insurance with MS?

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.

There are some situations where ‘standard’ life cover might not be available, but there are always other options.

I’ve been declined life insurance because I’ve got MS

Often people will be given bad advice or be told that they can’t get cover 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.


Can I get life insurance with MS without a medical?

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 reasons for insurance companies wanting 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 an instant offer, such as:

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

If you’ve got mild MS then it’s possible to get cover immediately.

How can I get cheaper life insurance with MS?

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: Stop smoking
  • Weight: Reduce your BMI
  • 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”. 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.

What does MS life insurance cost?

If you suffer from MSand 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 policy (e.g. Family, Mortgage, Whole of Life, etc.)

What are common issues for people with MS getting life insurance?

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 cover 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 specialists, 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.

Exclusions for MS life insurance, critical illness cover, or income protection

Another potential outcome when applying for a non-standard cover such as MS life insurance, critical illness cover, or income protection is for an ‘exclusion’ to be applied to your policy. This means that you may have certain conditions that can be linked to your MS (e.g. Cardiovascular, eye problems, etc.) excluded from your policy. You may also find that certain additional benefits could be excluded such as Total and Permanent Disability, Waiver of Premium, or Guaranteed Insurability.

How much cover do I need?

It is difficult to say how much cover you need when you are applying for an MS life insurance or critical illness cover policy. There are however some simple rules that you can follow which will give you a good idea of how much coverage you need before you apply.

NB. You should also be aware that an MS life insurance or critical illness policy could increase after underwriting to reflect any additional risks of claim, so affordability may be a consideration.

MS life insurance amounts of cover

  • Mortgage amount (£’s)
  • Outstanding debt (e.g. Loans, second charge, credit cards, and others)
  • Dependants
  • Spouse or partner
  • Income (after tax)
  • Assets (e.g. car, house, business, etc.)

Generally, there is usually an impact on your life insurance premiums if there is a history of MS in your medical history due to the associated risk factors.

MS critical illness cover amounts

Critical illness cover is slightly different from life insurance in the sense that it is designed to provide a lump sum payment if you are diagnosed with a critical or serious illness. Most people relate this type of cover to Cancer, which is the biggest reason for claims for critical illness cover. Things to consider are:

  • Income (after tax)
  • Mortgage payments (annual)
  • Cost of living (annual)
  • Any other possible costs (e.g. medical treatment or adaptations)

More information about CRITICAL ILLNESS COVER

There are now some insurance providers that offer critical illness cover for people suffering from MS, depending on the severity of your condition. You could find there may be exclusions to your policy. Contact us at iam|INSURED to talk through your options and products available to you.

Is Income Protection available for people with Multiple Sclerosis?

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 iam|INSURED 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.

More information about INCOME PROTECTION

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