Burial Insurance for People with Multiple Sclerosis

Multiple sclerosis (MS) is a chronic neurological condition that can change over time, and that uncertainty is exactly why many families look for simple, reliable coverage that won’t disappear later. Burial insurance (also called final expense life insurance) is designed to help cover funeral costs, remaining medical bills, and other end-of-life expenses with a permanent policy and predictable premiums.

At Diversified Insurance Brokers, we help people with MS compare final expense options that are realistic for their current mobility, treatment stability, and recent medical history. Traditional life insurance can be difficult with MS, but burial insurance often provides a faster, more dependable path to coverage—especially when your goal is simply to protect your family from final costs.

Get Instant Burial Insurance Quotes

Use the tool below to compare burial insurance rates. Many final expense plans are no exam and can be approved quickly depending on your answers and prescription history.

How Multiple Sclerosis Can Affect Burial Insurance Approval

Final expense underwriting is usually based on a small set of health questions rather than full medical records and labs. With MS, most carriers are trying to understand one thing: how stable your condition is today, and whether there are red flags that suggest a near-term decline.

In most cases, carriers focus on the type of MS, your mobility status, and whether you’ve had recent hospitalizations or major complications. Relapsing-remitting MS is often viewed more favorably than progressive forms, especially when symptoms have been stable and follow-ups are consistent. Mobility also matters because some simplified-issue applications screen for the use of a wheelchair, walker, or home assistance—those details can determine whether you qualify for day-one benefits or whether a graded option is a better fit.

If you want the broader picture across term and permanent options, see our guide to life insurance for multiple sclerosis. But for many families, burial insurance remains the most direct solution when the goal is fast coverage with stable premiums.

What Burial Insurance Coverage Amounts Are Available?

Most burial insurance policies are issued in smaller face amounts—commonly $5,000 to $50,000—because they’re intended to cover final expenses rather than replace full income. That range is often enough to handle funeral services, cremation or burial costs, family travel, and small outstanding balances.

When a health history is more complex, families sometimes choose to layer coverage. For example, a final expense plan can handle immediate funeral costs while another policy fills a broader need. If your goal is guaranteed acceptance without health questions, an option to review is guaranteed-issue life insurance (which typically comes with a graded benefit period for natural causes in the early years).

Level Benefit vs. Graded Benefit for MS

Burial insurance generally falls into two practical categories for people with MS: level benefit and graded benefit. A level benefit policy pays the full death benefit from day one (subject to the standard contestability period), and it’s often possible when MS has been stable and there have been no recent hospitalizations or severe mobility limitations.

A graded benefit policy is a common “Plan B” when the carrier sees higher risk. These policies typically limit the natural-cause payout during the first one to two years, often paying a return of premium plus interest (terms vary by carrier). After the graded period, the full death benefit becomes payable. For many MS applicants—especially those with progressive symptoms—graded coverage can still provide meaningful protection when level benefit isn’t available.

Case Study: Stable MS and Immediate Coverage

Profile: A 58-year-old with relapsing-remitting MS, consistent follow-up care, no MS-related hospitalizations in three years, and a request for $15,000 of coverage.

Outcome: Approved for a simplified-issue final expense policy with level benefits (day-one coverage). No medical exam was required, and the policy provided permanent coverage with fixed premiums.

When someone already has older coverage in place, another planning angle to be aware of is conversion. In certain situations, families can strengthen long-term protection by using term-to-permanent conversions before health changes reduce future options.

Who Should Consider Burial Insurance with Multiple Sclerosis?

Burial insurance can make sense for a wide range of MS situations because it is built for simpler underwriting and smaller, practical face amounts. It’s especially useful if your main goal is to protect your family from funeral expenses and avoid leaving them with last-minute costs.

In general, burial insurance is often a fit for people who want permanent coverage without an exam, those who were declined for traditional policies, and anyone with progressive MS who prefers to secure coverage sooner rather than later. Some families also coordinate burial insurance with income-stability planning—resources like the benefits of annuities can be helpful when retirement cash flow is part of the bigger picture.