Life Insurance with Multiple Sclerosis

You might not think life insurance with Multiple Sclerosis is possible, but it is.

Several highly-rated insurance providers offer life insurance for people with M.S. And our independent agency is here to help you shop your best price.

As long as you’re between age 50 to 85, you cannot be turned down due to your condition.

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Multiple Sclerosis & The Need For Life Insurance

MS is a severe disease that will affect both your health and your bank account. 

Health impact

M.S. is a disabling neurological disease in which the immune system eats away at the protective covering of your nerves, disrupting the communication between the body and the brain. Over time individuals typically loose physical independence.  

M.S. has different relapsing, remitting, and progressive types. Most often, the exact course the disease takes is impossible to predict. And worst of all, there is no cure.

Financial Impact 

Multiple Sclerosis is a managed care nightmare. The stakes are not immediately life or death as with Cancer or other diseases; however, once diagnosed with M.S., the individual will need to figure out how to pay for the costly ongoing treatment for the rest of their life.

Despite there being many different prescriptions on the market, the cost of M.S. prescription drugs has not reduced. Instead, they have increased significantly since their inception in the early 1990s.

Individuals living with M.S. face ever-increasing costs for the vital prescription drugs they need to keep the disease in check. These life long treatments are a burden to all individuals who are not independently wealthy.

This graphic shows how M.S prescription drugs have dramatically increased in cost over the past 8 years. 

Stairway to expensive: Relentless climb of the annual costs of DMT drugs for MS

How Life Insurance Can Help People with M.S.

As mentioned above, the rout in which your disease progresses in impossible to predict. That also is true for the disease’s effect upon your finances and retirement plan. A life insurance policy provides guaranteed funds for your family regardless of how the disease unfolds.  

Life insurance funds help to reduce or eliminate your end-of-life costs and act as a financial safety net for your loved ones. The death benefit helps pay for funeral costs, medical bills, or personal debts such as credit cards. There are no restrictions on how your beneficiary can use the money. 


Life Insurance Options For People with Multiple Sclerosis

Most individuals seeking life insurance with pre-existing medical conditions will have limited coverage options. 

Individuals with M.S. will no longer qualify for traditional types of policies such as Final Expense Life Insurance. Instead, they must seek a plan without medical underwriting. 

Guaranteed Acceptance Life Insurance plans forgo all health requirements. Which means there are no medical exams or any health questions whatsoever. These types of policies are a form of senior life insurance and are only available for individuals ages 50 to 85. As long as you’re within this age range, your acceptance is guaranteed. 

Working with Our Independent Agency

Our independent agency specializes in helping individuals with chronic health conditions, secure quality life insurance funds for their families. We represent the nation’s top carriers offering guaranteed acceptance policies. We help you shop and compare life insurance companies side by side so you can find your best policy and price.   

Although there is no single best carrier option, we believe the following three companies are the best option for those seeking life insurance with Multiple Sclerosis. 

AIG Life InsuranceGerber Life Insurance – Mutual of Omaha Life Insurance

These three carriers offer the most competitive rates, have excellent reviews from current policyholders, and have simple applications. We strongly suggest exploring these three companies before moving forward with a policy purchase. 

How to Enroll

Enrolling in life insurance with Multiple Sclerosis is easier than you might think.  

Because there are no medical exams or health question enrollment is quick and easy. And even better, your coverage can begin the very next day.

Begin by filling out the form on your screen. You’ll instantly see your projected rates from all the top carriers offering life insurance policies for people with M.S.  

One of our agents will help you compare plans and answer all your questions.  

Our streamlined application process takes about 15 minutes. After enrollment, we ship your policy directly to you, where you’ll have 30 days as a ‘Free Look” period to ‘make sure the policy fits your needs.

Our independent agents work for YOU, not the insurance company.

We’ve helped thousands of individuals in poor health secure the funds they need to protect their families. We’d love to help you too! 

Explore your options today with a free quote.


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