We know it can be frustrating searching for a life insurance policy with a history of Multiple Sclerosis.
The good news is there is hope.
Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Disseminated Sclerosis? And if so…
2. How much will it cost?
Can I Qualify for Life Insurance if I have Multiple Sclerosis?
Yes, most individuals with Multiple Sclerosis will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
Best Case Scenario – Cases of Disseminated Sclerosis with only a single relapse and has been stable for one year has the best chance of getting the best raing at “Mild Substandard”. Provided, that the symptoms of visual, cognitive or physical malfunctions do not leave a serious and permanenmt damage to the brain or spinal cord. Click here for quote at “Mild Substandard”.
Moderate Case – Those cases of Multiple Sclerosis with more than one episode in a period of one year and pose a higher risk of complications such as heart or liver problems, but whose symptoms are mostly controlled may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
If you’re unsure which of the above health cllasses to quote yourself at (Mild Substandard or Medium Substandard), please see the questions below:
Common Questions to Assess Rating Class
The following questions will help determine whether an individual with Multiple Sclerosis would be rated at “Mild Substandard” or “Medium Substandard” rates:
How many years have you been diagnosed with Disseminated Sclerosis?
Disseminated Sclerosis is a progressing condition, but the symptoms of visual or memory dysfunction caused by damage to the nerve cells can be somehow controlled with early detection. Those cases with only one episode of attack in a period of one year have the best chance at getting the “Mild Substandard” rating.
You might also be interested in reading “Life Insurance Approval with Chorea”
Have you experienced any attack within the last 12 months?
The number of attacks in a period of one year determines whether you will qualify for the “Mild Substandard” or “Medium Substandard” health class. Those that have been stable for one year but with more than one episode in a year may only get the best rating at “Medium Substandard” rating.
Are you feeling any adverse reactions due to your medication?
There is no cure for Multiple Sclerosis especially with flare attacks except the use of steroids. Although relief may be immediate, the long-term adverse effects of steroids may show after extended use. Complications to the heart, liver or kidneys as a result of adverse reactions to medication may require a more thorough evaluation before a rating can be given.
Do you have lifestyle practices that may put a higher risk to your condition?
There are some risk factors that trigger an attack such as smoking, infections, exposure to toxins, certain diets, hormonal drug replacement intake, and stress have been found to cause flare symptoms.If you have any of these practices, the best rating that you may get is at “Medium Substandard” rating.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Multiple Sclerosis
Multiple Sclerosis, also known as encephalomyelitis disseminata or Disseminated Sclerosis is a condition that involves damage to the protective cover of the nerve cells of the brain and spinal cord. It can affect a wide range of the brain’s functions with this disease that is why the symptoms varies.
Symptoms can affect the body’s physical, psychological or cognitive functions. Disseminated Sclerosis can manifest as a progressing condition or a relapsing disorder. In relapsing cases, although symptoms can be transient, the damage to the nerve cells is usually permanent.
Most symptoms of Multiple Sclerosis depend on the location of the damage, but it has a triad composed of nerve cell destruction, inflammation and scarring. The common signs found with these triad include changes in sensory functions such as pins and needle prick, muscle weakness, tingling sensation, numbness, spasms or hyperactive reflexes.
Movements may be uncoordinated plus sense of balance is dysfunctional. Visual problems may also be present such as double vision and cross-eyed syndrome. Problems with speech and swallowing has also been observed.
General symptoms of fatigue and chronic pain, plus bladder and bowel problems may also be present. Lastly, cognitive functions are affected such as emotional instability, mood swings, depression and difficulty in memory and thinking may show.
The cause of Multiple Sclerosis is still unclear, but genetics, infections and environmental factors are thought to be the culprits that destroys the nerve cell cover of the brain called myelin sheath.
As of today, there is yet to be found a cure for Disseminated Sclerosis. All treatments are focused on improving the nerve cell functions after an attack and to prevent future flare symptoms.
The common triggers of an attack for Multiple Sclerosis include the common cold, flu, viral infections, stomach upsets, pregnancy and stress.
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