Burial Insurance for People with Multiple Sclerosis
Over 100 Carriers to Quote From. Here are a few of them!
Burial Insurance for People with Multiple Sclerosis
Multiple sclerosis (MS) is a chronic neurological condition that affects many aspects of life. For families, one major concern is ensuring that loved ones are not left with financial burdens at the end of life. Burial insurance, also called final expense life insurance, offers a way to cover funeral costs, medical bills, and small debts. At Diversified Insurance Brokers, we specialize in helping people with MS secure policies—even when traditional coverage is challenging.
Get Instant Burial Insurance Quotes
Use our tool to compare real burial insurance rates for people with MS. Many plans are no exam, simplified issue, meaning quick approvals.
How MS Impacts Burial Insurance Approval
Carriers approach multiple sclerosis differently, but most final expense plans only ask a few health questions. Approval depends on:
- Type of MS: Relapsing-remitting MS is usually viewed more favorably than progressive types.
- Mobility: Use of a wheelchair or walker can affect eligibility for immediate coverage.
- Treatment history: Stability and no recent hospitalizations may qualify you for level benefits.
Our page on life insurance for multiple sclerosis explains broader coverage options, but burial insurance remains the fastest, most reliable solution for many families.
What Coverage Amounts Are Available?
Final expense policies typically range from $5,000 to $50,000. They are designed to pay for funeral services, cremation or burial, and other immediate costs. Some families also pair a burial plan with guaranteed-issue life insurance to ensure additional coverage without health questions.
Case Study: Stable MS and Immediate Coverage
Profile: A 58-year-old with relapsing-remitting MS, on treatment, no hospitalizations in three years, seeking $15,000 coverage.
Outcome: Approved for level benefits (day-one coverage) with a simplified-issue policy. No exam required, fast approval, and permanent lifetime protection for the family.
In some cases, families combine final expense coverage with term-to-permanent conversions to lock in longer-term guarantees.
Who Should Consider Burial Insurance with MS?
- Anyone who wants to protect their family from final costs
- Applicants denied for traditional life insurance
- People seeking no-exam, simplified coverage
- Those with progressive MS who want to secure benefits before health changes
For broader planning, some families also explore the benefits of annuities to stabilize retirement income alongside burial insurance.
Get a Customized MS Burial Insurance Quote
We’ll identify MS-friendly carriers, target immediate coverage when possible, and keep premiums affordable.
FAQs: Burial Insurance for People with MS
Will MS prevent me from getting burial insurance?
No. Many people with MS still qualify. Stable treatment and no recent hospitalizations often lead to immediate coverage.
Do I need a medical exam?
No. Burial insurance is simplified-issue. Only health questions are asked—no labs or exams required.
What if my MS has progressed?
You may still qualify, but some carriers may apply a waiting period before full benefits begin.
How much coverage can I buy?
Burial policies usually range from $5,000 to $50,000. Enough to cover funeral costs, debts, and small bills.
Can I get immediate coverage with MS?
Yes. If your MS is stable, certain carriers offer day-one benefits without delay.
What happens if I’m denied?
We can pivot to guaranteed-issue life insurance, which requires no health questions at all.
Are premiums higher for MS?
Not always. We shop multiple carriers to find those with the most favorable underwriting for MS.
Does age affect eligibility more than MS?
Yes. Age drives cost significantly. MS adds risk, but older age increases premiums regardless of health.
Can burial insurance be combined with other plans?
Yes. Many families layer burial insurance with permanent life or annuities for broader protection.
How quickly can I be approved?
Most burial insurance plans approve within days. Some issue policies on the same day with electronic applications.
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