Feefo Platinum Trusted Service Award 2024
Free £100 Gift Card Offer
Our logo

PROTECTION PROMISE - 100% Conditions Covered

Our Insurance Partners

Sign up for our newsletter

Stay in the loop about all the latest news, exclusive offers, and fantastic discounts. We promise it's spam-free!

The facts about life insurance with Secondary Progressive MS

We speak to lots of people with secondary progressive MS who want life insurance. You might think that you can’t get cover because of your medical condition… not true

You might also have tried to life cover before and been told that you can’t. Loads of our customers have spoken to other companies before and been refused, but that’s not how we work.

Looking for life insurance to protect your family can be frustrating for people with pre-existing medical conditions. It’s important to get the best cover and pay a fair price, regardless of your health.

Five Stars

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

Here are a few useful tips for getting the best and cheapest life cover with secondary progressive MS. Answers to some of the most common questions that we get asked by people.

Can I get life insurance with secondary progressive MS?

YES – it’s possible to get life insurance with this type of MS and it can be affordable if you do it right. Life cover can be frustrating with a pre-existing medical condition, and especially with conditions that have an impact on mobility and lifestyle.

Some insurers will offer life cover to people with SPMS and you can keep your premiums down. You’ll need to know which insurance providers are better with this type of condition to get the best rates and cover.

There are some circumstances where life cover might be slightly different to standard cover or more complicated, that’s where we step in. You’ve got options so you just need to know where to look.

Types of life insurance include:

There are a few options for reducing the cost of life insurance, even with pre-existing medical conditions. The main thing is to make sure that your family is protected financially if anything happens to you.

Some of the things you can do to reduce the cost of life insurance:

  • Best insurance providers (some insurers aren’t good for certain medical conditions and types of people)
  • Right cover (decreasing cover and family income benefit can help to keep your premiums low)
  • Sum assured (choose the amount of cover you need to protect your family)
  • Term (Select a term that covers your mortgage or until your children are no longer dependent)

If you’ve tried to get life cover before and been refused, then don’t worry, that’s not the only option. Most of our customers have already tried to get life insurance before we speak to them, and usually, we get them covered.

There are some options that aren’t available through some standard insurance brokers. You’ll need to speak to an expert like us if your symptoms are slightly more severe.

How much does life insurance cost with secondary progressive MS?

The cost of life insurance depends on a few main things, but ultimately there are some things you can do to reduce your premiums. Life insurance is to protect your family financially if anything happens to you.

Guaranteed life insurance for secondary progressive MS

You could also take out ‘guaranteed life insurance’ and the type of policy you get will depend on your age. You could take out this type of life cover that can be very affordable and easier to buy.

These types of life cover are a quick and easy way to get something in place for your family. Some options include:

  • Guaranteed life insurance: These policies are usually very affordable and simple to apply for. You’ll need to check and make sure that you’re happy with the cover you’re buying
  • Over 50’s life insurance: Usually a lower amount of cover on offer but it has a guaranteed payout at the end of the policy. These are often used to pay for funeral expenses

If you need more information about MS life insurance or if you want FREE advice then give us a call on 0800 009 6559.

Related articles:

Useful resources

NHS Choices – Multiple sclerosis

MS-UK – Charity

MS Society – Charity

MS Trust – Charity

MS Research – Charity

Sign up for our newsletter

Stay in the loop about all the latest news, exclusive offers, and fantastic discounts. We promise it's spam-free!

Open chat
How can we help?
Scan the code
Welcome to iam|INSURED 👋

Please feel free to connect with us on WhatsApp so we can help you and answer your questions.

Click “Open Chat” to start.