Get cover for you and your family with Multiple Sclerosis life insurance, critical illness cover and income protection with iam insured. Get a quote and save money by finding the best cover for your circumstances today.
Iam insured is one of the UK’s fastest-growing and most exciting insurance experts. We specialise in finding cover for people with conditions that are considered to be a higher risk, such as Multiple Sclerosis, helping to protect them and their families. Whether you or a family member has recently been diagnosed or has been living with Multiple Sclerosis for some time, we understand the challenges that come with the condition and can advise on ways you can protect your future. At iam insured, we understand that Multiple Sclerosis is a condition that can flare up and vary in severity, why is why we always suggest taking out Multiple Sclerosis life insurance, along with critical illness cover and income protection, to give you complete peace of mind and long-term protection.
Multiple Sclerosis is a condition that affects a person’s spinal cord and brain. It causes a range of different symptoms affecting the arms, legs, eyes and vision, balance and coordination and ability to feel sensation/the nervous system. Symptoms include:
- Problems walking and exercising
- Blurred vision and sight difficulties
- Issues with bladder function
- Problems with the nervous system
- Muscular spasms
- Difficulties with balance and co-ordination
- Learning difficulties
In some cases, Multiple Sclerosis can cause disability, albeit mild. For many people, however, their Multiple Sclerosis symptoms are manageable and come and go over time. The condition is mostly diagnosed in younger people in their 20s and 30s, which is why taking out Multiple Sclerosis life insurance is a good option.
With iam insured you are in safe hands – our expert insurance advisors are highly experienced in finding Multiple Sclerosis life insurance cover and can compare the whole of the market to find products and premiums that suit your needs and budget. We understand that there are different levels of diagnosis regarding Multiple Sclerosis, so we are always happy to take all of your circumstances and health requirements into consideration when recommending insurance policies from leading UK insurers that are just right for your needs.
If you would like to discuss our Multiple Sclerosis life insurance options in-depth, call our expert team today on 01244 732890.
Why use iam insured?
We strongly believe that the work we do helps to make sure that our customers and their families futures are always protected. As part of our search to find you the right cover for your needs, we offer:
- Price Match Promise
- FREE expert advice
- Whole of Market search
- A dedicated team of expert advisors
For more information about Multiple Sclerosis life insurance, talk to one of our helpful experts at iam insured today on 01244 732890, or complete our form.
How much does Multiple Sclerosis life insurance cost?
When you apply for Multiple Sclerosis life insurance, your application will be subject to assessment by an underwriter, which can either be automatic or manual. Although
Multiple Sclerosis is classified as a critical illness, rest assured that we have products to suit your circumstances from leading insurers. Like other life insurance assessment processes, we will ask you to complete a medical screening to help us better understand your health requirements and the nature of your condition. You may also be asked to provide a medical report from your GP so that we can understand the level of cover you require. You will be asked some questions that are relevant to your condition, such as the following:
- What type of Multiple Sclerosis do you have? (Relapse remitting, secondary progressive or primary progressive)
- When was the initial date of your Multiple Sclerosis diagnosis?
- What symptoms do you experience as a result of your condition?
- When did you last experience symptoms?
- How does Multiple Sclerosis affect your day-to-day life?
If you would like more information or FREE advice to get a quote for Multiple Sclerosis life insurance with iam insured, call 01244 732890 or complete our form.
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Multiple Sclerosis life insurance premiums:
The following key factors will determine how much you pay for Multiple Sclerosis life insurance:
- Sum assured (£’s)
- Length of cover (years)
- Type of cover (e.g. Family, Mortgage, Critical Illness, Income Protection etc.)
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Multiple Sclerosis life insurance rates and ratings
At iam insured, we understand that Multiple Sclerosis can be an unpredictable condition, as symptoms can come and go. You never know when your symptoms may next re-occur. This doesn’t mean that you should feel apprehensive about applying for Multiple Sclerosis life insurance. Some insurers may provide cover on standard terms and give automatic underwriting, however, it is likely that many will want further confirmation or records from your GP to determine the severity of your condition. It is likely that if your Multiple Sclerosis symptoms are more severe, that you may experience an increase in premiums, although this will vary depending on the insurer that you choose. You may be asked to give details on the following information:
- The type of Multiple Sclerosis you have (Relapse remitting, secondary progressive or primary progressive)
- The date you were first diagnosed with Multiple Sclerosis
- When you first started experiencing symptoms
- What your symptoms are
- Any medications you are taking to ease your symptoms
- When your last relapse of Multiple Sclerosis occurred
- How your condition affects your daily life and mobility
Some of the key areas of underwriting for Multiple Sclerosis life insurance:
- Smoker status (have you smoked in the last 12 months)
- BMI (Height and Weight)
- Health and Lifestyle
- Medical history
- Family medical history
Multiple Sclerosis life insurance percentage loadings
If your application for Multiple Sclerosis life insurance is considered to be of greater risk, your premiums could increase. The amount that your premium will increase will depend on how high the ‘percentage loading’ is that is applied, and the insurance provider that you apply to (depending on their underwriting terms). The size of the % loading will depend on your activity and exercise level, overall health, occupation and any other special risk factors that are disclosed through the application process. Some insurance providers are more willing to provide cover for people with Multiple Sclerosis than others, and our team of experts at iam insured will apply to the best insurers for you so that you can get the best cover possible for your circumstances while keeping your premiums low.
Multiple Sclerosis life insurance exclusions with critical illness cover and income protection
It is sometimes possible that there may be instances where your cover for Multiple Sclerosis life insurance may come with exclusions based on your lifestyle or health. Generally, the policies where exclusions may be applied are critical illness cover or income protection for those with Multiple Sclerosis. Some of the main exclusions which might be applied include:
- Total and Permanent Disability
- Waiver of Premium
- Guaranteed insurability
Multiple Sclerosis life insurance FAQ’s
How much cover do I need?
When considering how much life insurance cover you need, think about the type of Multiple Sclerosis you have, along with the severity of your symptoms and the risk of them relapsing. Our team are happy to speak to you about the best type of insurance policy for your needs based on the level of protection you require. There are several points to consider when thinking about how much Multiple Sclerosis life insurance you need. These are:
- Any outstanding mortgage amount or rent for your property
- Outstanding debts
- Dependants (Ages)
The level of cover you take out can also depend on how much you can afford to pay in monthly premiums. Our iam insured advisors will be able to tell you how much Multiple Sclerosis life insurance will cost for you to protect your family, home or business.
How long should I take the cover out for?
It is possible to get cover up to the age of 90 for life insurance. However, this will vary for critical illness cover and income protection with some insurance companies. Consider what is most important to you and how long you’d like cover for before you determine the term of your policy. Some of the main criteria that can determine the length of your Multiple Sclerosis life insurance policy terms include:
- Your estimated retirement age
- Age of your dependants
- Any savings you have
- Other investments
Our specialist life insurance advisors will discuss your options and help you to find the most appropriate cover term based on your needs and priorities. Always keep in mind that long-term policies for Multiple Sclerosis life insurance, critical illness cover and income protection may be subject to premium increases because the level of risk rises as you get older.
Which insurance companies offer Multiple Sclerosis life insurance?
Generally, most of the UK’s biggest insurance providers offer Multiple Sclerosis life insurance at standard rates if your symptoms are not severe. Some insurance companies, however, may not offer standard terms, which is why it is better to speak to an expert like iam insured to get the best deal on the cover.
Some of the best insurance providers for Multiple Sclerosis life insurance include:
- Legal & General
Iam insured’s team of expert advisors will find the best insurance provider for your individual circumstances from our many years of experience.
Other types of cover
Multiple Sclerosis critical illness cover
Critical illness cover is more important now than it has ever been because of ever-increasing survival rates for most serious illnesses. Due to the disability and health risks associated with Multiple Sclerosis, and because it is considered a critical illness, it is good to have peace of mind through a protection policy. There are considerable differences between each insurer’s critical illness policy terms, so you need to make sure that you carefully check which conditions are covered and the type of contract available.
Some of the main serious illnesses that are generally covered include:
- Heart Attack
- Multiple Sclerosis
- HIV infection
- Kidney failure
- Parkinson’s Disease
- Alzheimer’s Disease
Many insurance companies offer a standard critical illness cover policy which will offer core cover for up to 175 conditions, including Multiple Sclerosis.
Multiple Sclerosis income protection
Another important type of cover is a policy that can protect your income and pay your monthly outgoings such as Mortgage, Rent, Bills and general cost of living if you are unable to work due to accident, injury or sickness as a result of your Multiple Sclerosis. Income protection for people with Multiple Sclerosis will generally be on the same premium terms as a standard income protection policy depending on your occupation, day to day lifestyle living with Multiple Sclerosis, and your health.
Income protection is a worthwhile step if you are self-employed or have no reasonable sickness pay programme from your employer. You can select the right level of Multiple Sclerosis income protection cover based on your circumstances and budget.
Some of the main options available for income protection are:
- Term of cover (Years/To Age)
- Benefit payment (£’s per month)
- Deferred period (1, 2, 3, 6 or 12 months)
- Short term or long term cover
Income protection is more flexible than other types of cover, and many customers are often able to find premiums to suit your needs and budget. Our team of income protection experts at iam insured will help you to find the best cover and the cheapest premiums available in relation to your circumstances and condition.
Private medical insurance for Multiple Sclerosis
As increasing pressure is placed on the NHS and budgets become ever-more stretched, the quality of care many patients receive is greatly reduced, and waiting times can be lengthy. If you have a critical illness like Multiple Sclerosis and become ill as a result of your condition, private medical insurance can ensure that you receive first-class treatment in a timely manner, so that you can quickly get the treatment you need and then get back to enjoying life.
Private medical insurance for people with Multiple Sclerosis generally includes the following:
- In-patient and day-patient treatment: Cover for your hospital fees, any specialist consultancy fees, diagnostic tests and surgical procedures.
- Cover for the costs of your out-patient care.
- Advanced Cancer Cover: Comprehensive Cancer Cover is included as part of the core options cover, which includes limitless use of biological, hormone and bisphosphate therapies.
- GP referral service: Beat the long waiting times to see a doctor, with access to a GP service via an app which offers a helpline, video consultations within 48 hours, and up to £100 towards private prescriptions and minor diagnostic tests.
- Worldwide Travel Cover
- Dental Cover
- Therapies Cover
- Mental Health Cover
- Life insurance
- Critical illness cover
- Private Medical Insurance
- Travel Insurance
- Multiple Sclerosis life insurance
- Multiple Sclerosis life insurance, critical illness cover and income protection
- Multiple Sclerosis Travel Insurance