Can You Get Life Insurance with Multiple Sclerosis? Options, Costs & Best Companies - PinnacleQuote

Can You Get Life Insurance with Multiple Sclerosis? Options, Costs & Best Companies

Have you or a loved one been diagnosed with MS and are unsure whether life insurance is still possible? The good news is that life insurance with multiple sclerosis is absolutely achievable — even if you’re considered high risk.

In this guide, you’ll learn how insurers evaluate MS, what policies are available, and how to find the best life insurance for someone with multiple sclerosis, even after a previous decline. We’ll also highlight which providers specialize in life insurance for high-risk individuals and when to consider guaranteed issue life insurance.


Understanding Life Insurance with Multiple Sclerosis

Multiple sclerosis is a chronic condition affecting the central nervous system, leading to a range of symptoms that can vary in severity. While MS is considered a pre-existing condition, it doesn’t automatically disqualify you from obtaining life insurance.

However, the type of MS, its progression, and your overall health will influence the policies available to you and their associated costs.

Can You Get Life Insurance with MS?

✅ Yes. You can qualify for life insurance for MS patients, including:

  • Term life insurance
  • Whole life insurance
  • Guaranteed issue life insurance

Insurers base approval on:

  • Type of MS (Relapsing-remitting, Progressive)
  • Age at diagnosis
  • Current medications (e.g., Ocrevus, Copaxone)
  • Symptom control and mobility status
  • Frequency of flare-ups

If you’re stable and managing symptoms well, you may qualify for standard or rated coverage. More advanced cases may require a policy like final expense insurance for seniors over 60 that has fewer underwriting hurdles.

People Also Ask:

  • Can you get life insurance with multiple sclerosis?
  • Does MS disqualify you from life insurance?

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How Life Insurance Companies Evaluate MS

Insurance underwriters consider:

  • Age at diagnosis
  • MS subtype (e.g., RRMS, SPMS, PPMS)
  • Hospitalizations or disability claims
  • Ability to work and perform daily activities
  • Use of disease-modifying therapies

A well-managed case with no recent relapses may be eligible for term life insurance with no medical exam, while more severe cases may be better suited for guaranteed issue whole life insurance.


Life Insurance Eligibility with MS

🧠 Multiple Sclerosis Underwriting Rating

Guidelines to estimate risk class based on time since diagnosis or symptoms

Condition Time Since Event Underwriting Table
Suspected MS, not confirmed < 2 years Table 4
Suspected MS, not confirmed 3–4 years Table 3
Suspected MS, not confirmed 4+ years Standard (Preferred Possible)
Definite MS < 2 years Table 6
Definite MS 3–5 years Table 4
Definite MS 6–10 years Table 3
Definite MS After 10 years Table 2
Severe Abnormalities, immobility Decline

Best Life Insurance Companies for People with MS

🏆 Best Life Insurance Providers for MS

Top carriers with underwriting flexibility for Multiple Sclerosis

Company Policy Types MS-Friendly
Prudential Term, Universal ✅ Yes
Mutual of Omaha Term, Whole, GIWL ⚠️ Moderate
Principal Term, Universal ✅ Yes

These companies are also among the best final expense insurance providers, especially for those with pre-existing health conditions.

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How Much Does Life Insurance Cost for MS Patients?

Estimated Monthly Premiums for a $250,000 / 20-Year Term Policy | $25,000 Guaranteed Issue

💵 Sample Monthly Rates – MS & Guaranteed Issue

$250,000 Term (20 Years) vs $25,000 Guaranteed Issue

Age Mild MS (Standard) Moderate MS (Rated) Guaranteed Issue
35 $31 $57 $127
45 $54 $107 $134
55 $130 $269 $141
65 $423 $892 $212
75 N/A N/A $347

If you’re only eligible for guaranteed issue, plans typically range between $70–$150 per month for burial insurance with no waiting period or with a 2-year graded benefit.

What If You’re Declined for Coverage?

If you’ve been denied life insurance because of MS, here are alternatives:

Guaranteed Issue Whole Life Insurance
Final Expense Insurance for small face amounts
Group Life Insurance through your employer
Accidental Death Insurance with instant coverage

You can also explore life insurance quotes across multiple providers to find a policy that matches your budget and health history.

Does Life Insurance Pay Out for MS?

✅ Yes. Once your policy is active, it pays the full benefit — even if death is related to MS. Life insurance only denies claims in cases of misrepresentation or fraud, not due to conditions disclosed during underwriting.

For transparency, check out our guide on how life insurance claims work to understand what to expect.


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FAQ

Does MS disqualify you from life insurance?

No, many individuals with MS can obtain life insurance, though options and rates depend on the disease’s progression and management.

What is the best life insurance for multiple sclerosis?

Policies from providers like Prudential, Transamerica, and Lincoln Financial are often recommended for individuals with MS.

Does life insurance pay out for multiple sclerosis?

Yes, life insurance policies pay out for deaths resulting from MS, provided the policy is active and all conditions are met.

Can you get life insurance with multiple sclerosis?

Yes — traditional, simplified, and guaranteed policies are all options depending on your MS stage.

Conclusion

A diagnosis of multiple sclerosis doesn’t mean you can’t protect your family. With the right approach, you can find affordable life insurance, whether it’s a fully underwritten plan or a guaranteed issue life insurance policy.

Isn’t it time you found peace of mind knowing your family is protected — no matter your health history?

“Get a Free Quote for Life Insurance with MS Now!”

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