Life Insurance for Multiple Sclerosis
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we specialize in helping individuals with multiple sclerosis (MS) find affordable life insurance coverage. With access to over 100 top-rated carriers and decades of high-risk underwriting experience, we know which companies are most likely to approve your application, how to present your medical history, and how to secure the most competitive rates available.
Life Insurance with Multiple Sclerosis
If you’re living with multiple sclerosis, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping clients with neurological conditions secure affordable and personalized coverage.
Talk with an expert who understands life insurance for individuals with neurological conditions.
How Multiple Sclerosis Affects Life Insurance
- Type of MS: Relapsing-remitting MS (RRMS) often has better underwriting outcomes than primary or secondary progressive MS.
- Severity & Progression: Carriers assess symptom control, mobility, and recent flare-up history.
- Treatment History: Use of disease-modifying therapies, frequency of relapses, and neurologist follow-up matter.
- Complications: Vision issues, muscle weakness, or other organ involvement can impact approval and rates.
Who This Coverage Is Best For
- Applicants with mild or well-controlled MS.
- Those with no recent relapses and stable neurological exams.
- Individuals maintaining regular treatment and follow-up care.
- People who have been declined by other insurers due to MS history.
What Improves Approval Chances
- Specialist records showing stability or improvement.
- No recent hospitalizations or rapid progression.
- Ongoing compliance with prescribed medications.
Typical Outcomes We See
- Mild MS in remission: Possible standard or slightly substandard rates.
- Moderate MS with stability: Often approved with a higher rating.
- Advanced MS: May require guaranteed issue or graded death benefit policies.
Why Work With Diversified Insurance Brokers
- Expert underwriting strategies: We know which carriers are most MS-friendly.
- Wide carrier access: Over 100 A-rated life insurance companies.
- Confidential process: We protect your information at every step.
Example Case
A 45-year-old man with RRMS, no relapses in 7 years, and consistent neurologist follow-ups was approved for a $250,000 20-year term policy at a standard rate after being told elsewhere he would only qualify for a graded policy.
Get started today: Submit your multiple sclerosis life insurance request.
FAQs: Life Insurance for Multiple Sclerosis
Can I get life insurance if I have multiple sclerosis (MS)?
Yes—many people with MS can qualify for life insurance. Key factors include disease type, how active it is, how well it responds to treatment, and what symptoms or disability you might have.
What types or severity of MS matter most?
Relapsing-remitting MS with few recent relapses usually gets more favorable treatment. Progressive forms of MS, frequent relapses, or significant disability often involve stricter underwriting and higher premiums.
How do symptoms, mobility, or disability affect my application?
The degree of disability (use of mobility aids, walking distance), symptom control (spasms, vision, fatigue), cognitive involvement, and whether MS is stable—with no major flare ups—play big roles in underwriting.
What medical documentation helps my case?
Recent MRI or imaging reports, neurologist notes, results of relapse history, treatment details (disease modifying therapies), mobility assessments, and any physiotherapy or rehabilitative evaluations can strengthen your application.
What outcomes or rating classes are typical?
If MS is mild with few relapses, good mobility, and stable health otherwise, standard or mild substandard rates may be available. More advanced or progressive MS, with disability, often leads to higher rates or more restrictive offers.
Which policy types are available for MS cases?
Term life policies are often a good fit for many. If health is stable, permanent policies (whole/universal) may also be options. For higher-risk situations, simplified- or guaranteed-issue offers may be used early on.
How can I improve my approval odds and pricing?
Show periods of stability without relapses, maintain strong medical care, manage symptoms well, avoid smoking, keep up with specialists, get updated scans, and work with brokers who know which insurers treat MS favorably.
Diversified Insurance Brokers specializes in helping high-risk applicants secure coverage, even after serious health conditions.
