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Life insurance for someone with Relapsing-Remitting MS (RRMS)

If you’ve been diagnosed with relapsing-remitting MS then you may also need life insurance to protect your family. There are lots of options for you so you might be surprised how easy it can be to get cover.

Getting the right policy at an affordable price can seem like a bit of a minefield. You may have already tried to get cover before and even been told it’s not available… too many people are put off buying life insurance because of bad advice.

Here’s what we think you’ll want to know and some help with what’s available.

Over the past 20 years, we’ve helped thousands of people just like you with relapsing-remitting MS to protect their families. Often our customers are amazed at how quick, easy, and cheap life cover is.

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Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

Can I get life insurance with relapsing-remitting MS?

YES – there’s a growing number of insurers who offer very competitive rates for relapsing-remitting MS. Choice has increased and premiums have reduced over the past several years for this condition particularly.

There are also options for more severe symptoms or if you’ve had health problems recently. We’ve tailored our range of insurance partners specifically to help people like you, who’ve got different needs.

Types of life insurance include:

How much does life insurance cost with relapsing-remitting MS?

The cost of life cover can vary for a number of reasons which includes things like:

  • Age
  • Level of cover
  • Term of policy
  • Smoker/Non-smoker
  • Health

If you’ve got a pre-existing medical condition then you’ll need to work out what’s more important, cover or price? Sometimes the cover you need might be affordable which is the ideal situation.

Is life insurance more expensive with relapsing-remitting MS?

The premiums that you get quoted are based on your health and your medical history. If you’ve had a quote from a few different companies in the past that are too expensive, then you should speak to an expert.

Do I need a medical?

You’ve got a few different options when it comes to applying for life cover with relapsing-remitting MS. Some of the main options are:

  • Standard life cover: You might need to provide a copy of your GP history or take a medical. It is also possible in a limited number of cases to get cover immediately without medical information
  • Guaranteed acceptance life cover: There’s a couple of insurers who provide instant cover with no medical questions or medical underwriting. These are good policies but you need to know what you’re buying
  • Over 50’s life cover: This type of policy also has no medical questions and has a value so will be guaranteed to payout. Levels of cover will be lower than standard life insurance

You might have applied for life insurance in the past and been declined or told it’s not available. This is often incorrect or just not the case, but lots of people with pre-existing medical conditions are put off by this.

Some companies simply don’t have the right insurers on their panel or have the right experience. Unfortunately not every company is equipped to deal with life insurance for someone with relapsing-remitting MS.

If you’ve spoken to another company before and been refused or declined, then you should speak to an expert like us.

Which life insurance companies are best for relapsing-remitting MS?

It’s true that there are good and bad insurers when it comes to most medical conditions. In the case of all types of MS, there are some who are particularly good for each type and others who just aren’t.

Can I get critical illness cover with relapsing-remitting MS?

It’s possible that you might be able to get critical illness cover with this condition. There are some options available and some insurers will accept them on this basis.

There are also some specialist policies available for people with relapsing-remitting MS that will offer instant cover. These types of insurance plans will offer immediate cover with no medical questions, however, they will exclude pre-existing medical conditions. Just make sure that you’re fully aware of what you’re buying.

Can I get income protection insurance with relapsing-remitting MS?

There are some options if you’ve got relapsing-remitting MS and need income protection. If you need this type of cover then you’ll need to speak to an expert because cover options can be limited.


Related articles:

Useful resources

NHS Choices – Multiple sclerosis

MS-UK – Charity

MS Society – Charity

MS Trust – Charity

MS Research – Charity

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