Category: High Risk
MS Life Insurance
We show you how to get approved for high-risk life insurance if you suffer from MS.
MS Life Insurance Overview
Multiple Sclerosis (MS) is a chronic disease of the central nervous system, affecting millions according to the MS Society.
The good news is that for most people, you can get life insurance if you have MS.
Types of MS:
Clinically Isolated Syndrome (CIS) – The first time you have neurologic inflammation of your central nervous system.
Relapsing-Remitting MS (RRMS) – The most common type (85%) of MS, with attacks followed by periods of remission.
Secondary Progressive MS (SPMS) – Progressive worsening of neurologic functions, shorter remissions, and some disability.
Primary Progressive MS (PPMS) – is a worsening of neurologic functions with little to no remissions.
Underwriting Questions for MS
- What type of MS do you have?
- How many attacks per year do you have on average?
- What was the date of your last episode?
- What symptoms and complications do you have?
- Do you fully recover in between episodes?
- What types of diagnostic tests have you had?
- What were the results of those tests?
- What medications do you take?
- What treatments have you received?
- Have you developed any cognitive impairments?
- Do you have any history of depression?
- Do you have any other medical conditions?
A major factor for life insurance underwriting is the amount of time that has passed since your last attack.
Life Insurance Quotes for MS
We use a quick quote approach to shopping for you.
We summarize your medical history and reach out to companies for underwriting feedback (about 3 days).
Once we hear back from companies, we let you know what each company has to say in terms of underwriting and price.
Some ballpark guidelines:
| Time Since the Last Attack | Possible Underwriting Offers |
| Less Than 1 Year | Postpone for most cases |
| 1 Year – 2 Years | 50 – 150% Table Rating |
| 3 – 5 Years | Standard – 125% Table Rating |
| 6-10 Years | Standard – 75% Table Rating |
| 10 Years or Longer | Standard Rates, possible preferred |
Sample Case Studies
The best offers go to those with RRMS.
Normal neurologic examinations, no symptoms, and long periods of time between episodes.
For example, if it’s been 10 years since your last episode, you may receive “standard plus” offers from some companies.
If it’s only been one year since the last episode, the offer may include a table rating that adds 50-150% to the price.
Conclusion
If you have MS, we can help you with your life insurance.
Please take a few minutes to submit your request and we will provide you with accurate quotes based on your individual health history.
Custom Life Insurance Quote In less than 5 minutes!
Share this post
We take our responsibility seriously and will do whatever we can to make sure you end up with the best life insurance company based on your unique life insurance needs and situation.
0
States Licensed (Life & Health Insurance)0%
Saved by moving to the best provider
Meet the Author - Michael Horbal
That’s me to the left. I’m the founder and owner of RiskQuoter. I hate the fact that many people pay too much for life insurance because they end up with the wrong life insurance company, agent or both.
That’s why I started RiskQuoter.
We’re here to help you get the best life insurance rates available.
There’s never any pressure or obligation with my life insurance service. Get the information you need to make an informed decision for yourself.
The best life insurance companies in the business are available here
Kind words from happy customers who have a lot to say about our service!
