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Can you get life insurance with Multiple Sclerosis?  Absolutely.  Affordable life insurance with MS is all about using the right life insurance company.

If you're searching for life insurance with multiple sclerosis and have been recently denied life insurance or received a quote for higher than expected premiums, then you're in the right place.  

We've been helping consumers find affordable life insurance with MS for years.

When shopping for term life insurance for people with Multiple Sclerosis, there are some important things to keep in mind. If you're in search of high risk life insurance, we have options for you.

Securing Term Life Insurance With Multiple Sclerosis

First thing is life insurance companies typically offer more favorable results for individuals who have had the disease longer.

Since the disease affects everyone differently and is so unpredictable in nature, the longer an individual has the disease, the more history and insight the insurance company has on the condition.

For example, an individual applying for life insurance who has been diagnosed over five years ago could potentially receive better life insurance rates than an individual who was diagnosed 12 months ago.

The most favorable rates for term life insurance with multiple sclerosis will be generally offered to individuals in the following instances: the first attack occurred younger than 35 years old; only experienced one symptom during the first year; there have been no signs or symptoms in the past five years; and the disease is not progressive or disabling.

The points above are a general rule and shouldn’t deter you from applying for life insurance if you don’t fall into these specific categories. Because the disease affects everyone differently, it is important to communicate the details of your MS to an agent. The following is a list of imporant information which will help us determine which insurance carrier will treat your MS most favorably:

  • Age at diagnosis

  • Number of attacks and date(s) of last attack(s)

  • Any medications currently taking

  • The diagnosis of MS (see below for descriptions)*

*MS Diagnosis

Mild– Infrequent attacks, long periods of remission, no disability.
Moderate– Attacks with increasing frequency/duration with some residual neurological impairment but you are fully functional.
Severe– Wheel chair bound or bed ridden and need assistance with daily activities.

Facts about applying for life insurance with multiple sclerosis:

1)      It IS possible to obtain standard rates (term or whole life insurance).

2)      No two insurance companies will view your case the same. They'll all view your MS differently.  It's up to your agent to find the company that will look most favorably at YOUR unique MS.

3)      We WILL help you find the lowest rates for your multiple sclerosis life insurance...Period.  We've helped dozens of people get affordable life insurance with MS.

Have You Been Declined For Life Insurance With Multiple Sclerosis?

Don't let a previous life insurance deter your quest for coverage.  If you think your MS is under control, your agent probably used the wrong life insurance company.  We see it happen all the time.

If your MS is more severe and you truly can't qualify for traditional life insurance, there are alternative policies available.  A popular choice for people who can't qualify for term life insurance with Multiple Sclerosis is a graded death benefit life insurance policy.  (read more about these policies via the link provided)

Bottom Line.  Getting life insurance with Multiple Sclerosis takes an agent who experienced in underwriting your risk.  At Roofin, we know how to position your MS in a way that's more favorable to an underwriter and we also know which companies have the most lenient underwriting guidelines for those with Multiple Sclerosis.

If you're interested in leveraging our MS life insurance underwriting expertise, please give us a call or complete the form on the right so that we may assist you in determining which insurance company will offer the most affordable policy available to you. 

About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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I need an insurance quote. I haven’t been officially diagnosed with ms but have demeylenating disease diagnosis

September 4, 2012 at 8:49 pm
shavonne friedlander

I’m looking 4 life ins

January 16, 2015 at 10:40 pm
    Jeff Root

    Shavonne – Give us a call and we’ll be happy to provide quotes factoring in your MS.

    January 16, 2015 at 10:44 pm
Ted Potrament

I need Life insurance with 12 years of MS. My 100.000 life is dropped July 6th.

July 3, 2015 at 11:45 am
    Jeff Root

    Hi Ted, I just sent you an email. There may be an opportunity to convert your policy. Lets chat before your deadline.

    July 3, 2015 at 11:54 am

Hi Jeff I was hoping you can help me with some life ins. I have been looking since my r.r diagnoses in 2004. Not really any luck…Or premiums to me

February 25, 2016 at 1:36 am
    Jeff Root

    We can absolutely help. You can also check out – this is a site where we focus on helping those with MS.

    October 16, 2016 at 9:17 pm
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