Can I get life insurance if I have MS?

Yes there are life insurance policies available to you when you have MS. Multiple Sclerosis is a chronic illness so you will need to make sure you find a company that understands your condition and can still offer the cover you need from your life insurance. This is where we can help.

Our service provides a fast and easy way for you to speak to the right people about your life insurance requirements. Our expert partners know all about finding policies that can help when you have a diagnosis of MS. They work with many different insurance companies and know which policies are more likely to do the trick for you! Speak to our partners and get your search for MS Life Insurance underway today - it's that simple.

Simply click the green button above and with just a few details we can get you started.

How might MS affect my life insurance premiums?

Unfortunately, as is the case with any chronic illness, the insurance company are taking on a higher risk when they provide you with life insurance cover and therefore your premiums are likely to reflect this. Your MS diagnosis is not the only factor in deciding the cost of your policy though. Other factors which can affect your premiums include:

• Your smoking status
• Your general health
• Your age
• Your occupation

Generally the younger you are when you take out a life insurance policy, the less you will have to pay. Of those diagnosed with MS, the majority are between 20 and 40 years of age.

Comparing MS life insurance policies is so important - especially when your circumstances could mean you face a higher premium. By speaking to our insurance expert partner, they can detail the policies available to you so that you can make the best decision for you in terms of cover and price.

You should always declare any medical condition when prompted on a life insurance search and fill out documents accurately and honestly. If you don't you may find your policy is invalid and you are not covered.

What questions might a life insurance company ask about my MS?

As with many chronic illnesses, multiple sclerosis has a wide spectrum of sufferers so not everyone will fall into the same category. Alongside the standard questions that every applicant will need to answer, you could be asked the following:

• Which type of MS do you have?
• When were you diagnosed?
• What are your symptoms?
• How much help do you need?
• What medications are you taking?
• Do you have any additional complications as a result of your MS?

Why life insurance is important when you have Multiple Sclerosis?

Every single person could suffer an unexpected illness or death but when you have life insurance set up it does mean, that if or when the worst happens, you have done what you can to make sure your loved ones are taken care of.

Life insurance can cover

• The remainder of your mortgage

• The rent and household bills

• Extra childcare costs

• The cost of your funeral

Our expert partners can help guide you through the process of finding life insurance when you have MS and to answer any queries you may have. By speaking to them you can short-cut your search to find life cover that will accept your MS diagnosis,

It takes just a few minutes for us to help you find a great value MS Life Insurance quotation

Any life insurance quotes are offered with no obligation and no fees.

Simply fill out our quick online form to get great service by clicking on the link below and our partners will get your search for Multiple Sclerosis life insurance started today.

Our team will be delighted to arrange a callback to listen to what you are looking for in terms of life cover. Click here to get you search underway.

Request a Callback

We can also help with travel insurance when you have have an existing medical diagnosis. Compare travel insurance which will cover those who have a pre-existing medical condition.

LifeSearch. our partner with expertise in MS life cover, are one of the UK's largest life assurance brokers. They can provide cover from a range of companies including AIG, Aviva, British Friendly, Legal & General, LV=, Royal London, The Exeter, Vitality, Scottish Widows, National Friendly, Shepherds Friendly, Cirencester, Holloway, Guardian and Zurich. Like MoneyMaxim, they are regulated and authorised by the FCA, and will work hard to get you the right cover at the most competitive premium possible all fee free and with no obligation.

This content was last reviewed on 21/08/2023