Individuals with multiple sclerosis should have no apprehension about applying for Life Insurance. If the condition is well controlled and managed then there are some providers who can offer cover from an application form alone. You should however be prepared that most providers will want to contact your GP for details as to the extent of your condition. This will not cost you anything and will ensure that the insurance provider offer cover with a full understanding of your condition.
You can apply for multiple sclerosis Life Insurance but you must be prepared for your premiums to increase slightly due to your condition. The increase in the premium you will pay will be dependent upon the Insurance Provider you choose, the amount of benefit you require, the term you have chosen, and the severity of your symptoms. Where the disease has progressed quite significantly you may well be looking at a larger increase on the base premiums for your policy.
Unfortunately at this moment there are no providers offering Critical Illness Insurance for people with multiple sclerosis. As underwriting of Life Insurance has improved dramatically over the recent years there may be potential for this to be reviewed in the future.
Unfortunately if you have been diagnosed with multiple sclerosis you will not be eligible for Income Protection. You may however be able to take a policy out for Accident, Sickness and Unemployment cover that is not medically underwritten. This would exclude pre-existing conditions.
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Multiple sclerosis is diagnosed when the myelin (coating) of the nerve fibres becomes damaged, and the body's auto immune system believes that it is a foreign body that must be removed. Where the immune system attacks the myelin messages along the nerve system can become distorted, slowed down or lost completely. Eventually damage can be caused to the underlying nerve fibres, which can lead to permanent physical impairment.
There are three types of multiple sclerosis: relapsing remitting, secondary progressive and primary progressive MS. Relapsing remitting multiple sclerosis is diagnosed where symptoms flare up for a certain period of time, then disappear. Secondary progressive multiple sclerosis follows on from the first and is diagnosed by the development of permanent disability between relapses. Primary progressive multiple sclerosis is diagnosed where there are not flare ups of symptoms, but a permanent continued increase in the individuals severity of symptoms.
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