Are you living with Multiple Sclerosis (MS) and looking for MS life insurance? At iLL we offer a quick and easy comparison service that helps people like you with lifelong medical conditions like MS find an insurance policy that protects them, their assets and their relatives. We work with a network of approved impaired life insurance specialists. Just fill in our simple 30-second form to compare and locate the best insurance policy for your circumstances, saving you time and money.
MS is a lifelong condition that can cause disability. The severity of MS differs from person to person. Generally however, people with MS experience symptoms that affect their vision, movement in the arms and legs, balance, sensory stimulation, brain and spinal cord. MS is commonly diagnosed after the age of 20, but a sufferer can technically be diagnosed at any age. Women are 3 times more likely to develop MS than men.
Symptoms of MS include feeling tired, problems walking or moving around, blurred vision, feeling tingles or numbness in the arms or legs, muscular problems, co-ordination problems and difficulty with thought processes. There is currently no cure for MS, but it is possible to manage and control the condition with steroid medications and treatments. For those trying to find MS life insurance, the treatable nature of MS makes it a common condition for which many brokers offer cover.
Does it feel daunting to have to search the market to try and find the right MS life insurance cover for your needs? Following initial diagnosis, MS is commonly considered to be a lifelong condition. Although in many cases, it can be managed through medications. Some insurers may exercise caution about accepting applications. All applications for MS life insurance go through a process of underwriting. Insurers have to underwrite applications they receive from customers in order to manage their level of risk. If you have been told that your MS is severe and that your life expectancy is shorter as a result of your disability, it can be more challenging to find an insurer that meets your needs.
At iLL, we can help you find the right insurer for your personal circumstances. Your eligibility for getting MS life insurance will depend on how advanced your MS has become, and when you were diagnosed. An insurer is more likely to underwrite your policy if you were diagnosed within the last year. The more information you can provide to an insurer about your understanding of your symptoms and how you prepare yourself for them if they occur, the more likely you are to be accepted for MS life insurance.
As MS is an unpredictable autoimmune disease, securing MS life insurance will depend on the severity of your symptoms and your general health. Many people have MS and have been accepted for life insurance. For your simple and easy quote, start by completing our 30-second form on this page, and let iLL help you find the best insurance company for your needs.
Your costs (premiums) for MS life insurance will depend on when you were first diagnosed, your symptoms, when you most recently had a flare-up of symptoms, treatments you've undertaken for your condition and medications you are taking. An insurer may also ask you other health and lifestyle questions, such as whether you smoke. Your answers will enable an insurer to make a judgement on your level of risk. Prices from insurers offering MS life insurance will always vary, which is why iLL is the perfect place to get comparing and find the best MS life insurance specialist.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if your MS is severe, you have had hospital admissions as a result of your condition and received treatment, an insurer may take the view that there is a great likelihood of you making a claim in future. A loading fee may therefore be applied to cover this risk.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal for MS life insurance.
Many of the UK's leading insurance providers will consider offering cover for MS life insurance. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one MS life insurance broker with iLL. Just submit your details through one of our quick and easy online forms to receive and compare quotes and be specially matched against the UK's leading FCA-regulated insurance providers. This should help you to find:
The British Insurance Brokers' Association (BIBA) is currently working to improve life insurance options for those with long-term medical conditions such as MS. Depending on the severity of your MS, you may find that some insurers will not offer you critical illness cover. However, you may be offered a critical illness policy that excludes anything related to MS, but does offer cover for other conditions such as cancer, or emergency circumstances such as instances of a stroke. It is possible to take out critical illness cover with some insurance providers if you have MS, however, in most cases this will be where the MS is remitting, where there have been no relapses for a few years.
iLL's policy comparison service can help you find the right cover if you are seeking critical illness cover or life insurance with MS. Every application is assessed differently, so fill in our easy 30-second form to get matched with a quote from the right approved and vetted insurer today. It's quick, simple to do, and will save you both time and money.
For more information, help and support about living with MS, visit the following links:
At iLL, we like to save you money and make the purchasing of MS life insurance as quick and simple as possible. If you have a lifelong condition like MS, it can feel overwhelming to know where to find the best price and insurer for your circumstances. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners. Our free service can help you find the most comprehensive cover at the best price.