Life insurance for someone with Relapsing-Remitting MS (RRMS)
If you’ve been diagnosed with relapsing-remitting MS then you might also need life insurance to protect your family. There are lots of cover options for you so you might be surprised how easy it can be.
Getting the right cover at an affordable price can seem like a bit of a minefield. You might have also 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. Often our customers are amazed by how quick, easy, and cheap life cover is.
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Life insurance and relapsing-remitting MS
Here are a few pointers and some of the most common questions that we get asked by people with RRMS.
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.
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:
- Level of cover
- Term of policy
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.
But if the cost of the life cover that you want is too high, then you can very easily change the amount of cover or the term.
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.
You can significantly reduce the cost of cover just by knowing which insurers are good for relapsing-remitting MS. There are certain insurance companies that are significantly better than others for certain medical conditions.
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
What if I’ve been declined life insurance because of my relapsing-remitting MS?
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.
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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.
Also, some of these insurance companies will change over time and you might have cover already with a certain provider, who won’t offer cover now. Getting the best cover and the best rates for relapsing-remitting MS can be difficult if you don’t apply to the right company.
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 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.
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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.
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