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Getting Life Insurance with Multiple Sclerosis


insurance customer testiomonial

Hello Nick,
I currently have a mortgage application going through. It won’t be a problem to be approved for this amount as I have a permanent job and am applying for less than originally approved for. However although I’m only 27 years of age I was diagnosed with Multiple Sclerosis in September – so far it’s only optic neuritis I suffered. Will I get mortgage protection cover. I didn’t even think it would be a problem until I googled it? Now I’m extremely concerned and worried. I would be very grateful for your help.

Aileen need not have been so concerned, we managed to arrange her mortgage protection without any hassle. The insurer requested a medical report from her GP and once they received it, they accepted her for mortgage protection immediately.

Aileen had to pay a higher premium compared to someone without any health issues.

Life insurance with Multiple Sclerosis (MS)

MS does not significantly reduce life expectancy, this is why it’s fairly straightforward to get life insurance with multiple sclerosis.

However it’s not possible to get serious illness cover or income protection with multiple sclerosis.

What information does the insurer look for?

  • Type of MS
  • Date of diagnosis
  • Details of any neurological episodes prior to diagnosis
  • Symptoms and course since diagnosis
  • Treatment
  • Current neurological status; degree of disability where present

A private medical report from your GP will always be requested.

How is life insurance with multiple sclerosis graded?

Classification of multiple sclerosis

Mild Self limiting attacks of neurological dysfunction, they occur acutely and evolve over days to weeks, most experiencing recovery, often complete between episodes.
Moderate  Relapsing and remitting MS but eventually the attack rate is reduced and a steady deterioration in function occurs unrelated to attacks.
Severe A steady decline in function from onset without acute attacks.

The chances of successfully getting life cover and the related increase in your premium will depend on the category your MS falls under.

It will be easier and cheaper to get life insurance with mild MS than if you suffer with severe MS.

Over to you…

If you’d like me to make a recommendation on the types of cover you should consider based on where you are in life, please complete this questionnaire and I’ll be right back.

Nick McGowan | making life insurance easier


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