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 had herself worried to bits, but 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, albeit with a premium loading.
MS is a chronic condition that affects the protective layer that surrounds nerve cells.
MS does not significantly reduce life expectancy, and this is why it’s fairly straightforward to get life insurance if you are living with multiple sclerosis.
Before offering cover, the insurer will request a medical report from your GP.
The insurer will increase your premium based on the severity of your condition:
So let’s say the standard price for someone with no health issues was €50 per month.
For the same cover, someone with mild MS will pay €75/€100 per month, with moderate MS €100/125 per month, with severe €125+ per month.
Yes, both of these options are open.
With Multi Claim Mortgage Protection, your policy will have an MS exclusion bundle.
You will qualify for Cancer Only cover at the standard price.
If you need mortgage protection or life insurance and don’t know where to turn, I’d love to help.
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