Can You Get Life Insurance with Multiple Sclerosis? Options, Costs & Best Companies
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
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?
Find out today!
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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.
“Compare MS-Friendly Life Insurance Quotes Now”
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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.
Related Articles
FAQ
No, many individuals with MS can obtain life insurance, though options and rates depend on the disease’s progression and management.
Policies from providers like Prudential, Transamerica, and Lincoln Financial are often recommended for individuals with MS.
Yes, life insurance policies pay out for deaths resulting from MS, provided the policy is active and all conditions are met.
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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