Category: High Risk
We show you how to get approved for high-risk life insurance if you suffer from MS.
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.
A major factor for life insurance underwriting is the amount of time that has passed since your last attack.
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 |
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.
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.
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.
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